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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 | $72,203 | $102,385-29.5% | $147,080-50.9% | $80,935-10.8% |
| Participation rate | 53.8% | 75.9%-22.0pp | 82.2%-28.3pp | 67.7%-13.8pp |
| Annual return | 11.80% | 135.09%-123.3pp | 420.17%-408.4pp | 35.66%-23.9pp |
| Employer contribution / active EE | $780 | $3,717-79.0% | $4,933-84.2% | $2,757-71.7% |
| Participant deferral / active EE | $5,133 | $6,651-22.8% | $8,066-36.4% | $4,299+19.4% |
| Admin fee / account holder | $9,429 | $7,951+18.6% | $12,989-27.4% | $6,924+36.2% |