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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 | $62,910 | $91,536-31.3% | $130,062-51.6% | $75,177-16.3% |
| Participation rate | 65.2% | 71.5%-6.3pp | 78.5%-13.4pp | 67.2%-2.1pp |
| Annual return | 12.77% | -631.62%+644.4pp | -137.37%+150.1pp | 160.75%-148.0pp |
| Employer contribution / active EE | $392 | $2,845-86.2% | $4,322-90.9% | $2,671-85.3% |
| Participant deferral / active EE | $2,572 | $4,343-40.8% | $5,821-55.8% | $4,126-37.7% |
| Admin fee / account holder | $7,653 | $6,780+12.9% | $10,601-27.8% | $5,651+35.4% |