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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,384 | $63,346+11.1% | $92,240-23.7% | $70,126+0.4% |
| Participation rate | 57.1% | 68.7%-11.5pp | 76.5%-19.3pp | 69.5%-12.4pp |
| Annual return | 8.93% | 530.19%-521.3pp | 176.29%-167.4pp | 73.15%-64.2pp |
| Employer contribution / active EE | $325 | $2,471-86.9% | $3,680-91.2% | $2,343-86.1% |
| Participant deferral / active EE | $2,440 | $2,854-14.5% | $3,897-37.4% | $3,332-26.8% |
| Admin fee / account holder | $2,028 | $3,841-47.2% | $5,194-61.0% | $4,645-56.4% |