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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 | $35,753 | $70,666-49.4% | $169,385-78.9% | $75,181-52.4% |
| Participation rate | 69.2% | 64.8%+4.4pp | 77.2%-7.9pp | 67.2%+2.0pp |
| Annual return | 13.69% | 36.37%-22.7pp | 405.82%-392.1pp | 160.69%-147.0pp |
| Employer contribution / active EE | $274 | $2,210-87.6% | $4,012-93.2% | $2,671-89.7% |
| Participant deferral / active EE | $2,247 | $4,308-47.8% | $6,221-63.9% | $4,126-45.5% |
| Admin fee / account holder | $2,287 | $5,402-57.7% | $9,011-74.6% | $5,650-59.5% |