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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 | $107,630 | $98,766+9.0% | $149,730-28.1% | $79,852+34.8% |
| Participation rate | 50.7% | 75.8%-25.1pp | 82.5%-31.8pp | 69.6%-19.0pp |
| Annual return | 11.33% | 27.43%-16.1pp | 276.70%-265.4pp | 31.72%-20.4pp |
| Employer contribution / active EE | $562 | $3,217-82.5% | $4,645-87.9% | $2,471-77.2% |
| Participant deferral / active EE | $4,105 | $5,681-27.7% | $6,843-40.0% | $3,740+9.7% |
| Admin fee / account holder | $10,215 | $6,052+68.8% | $9,310+9.7% | $5,306+92.5% |