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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 | $58,967 | $65,575-10.1% | $86,209-31.6% | $75,181-21.6% |
| Participation rate | 64.0% | 60.5%+3.5pp | 69.0%-5.0pp | 67.2%-3.2pp |
| Annual return | 7.60% | 46.07%-38.5pp | 1169.05%-1161.5pp | 160.69%-153.1pp |
| Employer contribution / active EE | $280 | $1,553-82.0% | $2,381-88.3% | $2,671-89.5% |
| Participant deferral / active EE | $3,078 | $3,023+1.8% | $3,986-22.8% | $4,126-25.4% |
| Admin fee / account holder | $8,355 | $5,470+52.7% | $6,853+21.9% | $5,650+47.9% |