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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 | $93,305 | $63,346+47.3% | $92,239+1.2% | $70,124+33.1% |
| Participation rate | 42.4% | 68.7%-26.2pp | 76.5%-34.1pp | 69.5%-27.1pp |
| Annual return | 11.23% | 530.19%-519.0pp | 176.29%-165.1pp | 73.14%-61.9pp |
| Employer contribution / active EE | $396 | $2,471-84.0% | $3,680-89.2% | $2,342-83.1% |
| Participant deferral / active EE | $2,919 | $2,854+2.3% | $3,897-25.1% | $3,332-12.4% |
| Admin fee / account holder | $1,291 | $3,841-66.4% | $5,194-75.1% | $4,645-72.2% |