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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 | $95,427 | $51,638+84.8% | $68,368+39.6% | $82,448+15.7% |
| Participation rate | 8.3% | 63.6%-55.3pp | 73.8%-65.4pp | 68.1%-59.7pp |
| Annual return | 11.77% | 37.53%-25.8pp | 292.57%-280.8pp | 41.64%-29.9pp |
| Employer contribution / active EE | $222 | $2,047-89.2% | $2,649-91.6% | $2,551-91.3% |
| Participant deferral / active EE | $880 | $2,914-69.8% | $4,123-78.6% | $4,139-78.7% |
| Admin fee / account holder | $1,504 | $4,643-67.6% | $5,150-70.8% | $7,234-79.2% |