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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 | $91,268 | $45,050+102.6% | $63,018+44.8% | $70,126+30.1% |
| Participation rate | 17.1% | 69.5%-52.4pp | 74.8%-57.7pp | 69.5%-52.5pp |
| Annual return | 3.98% | 18.76%-14.8pp | 87.62%-83.6pp | 73.15%-69.2pp |
| Employer contribution / active EE | $351 | $2,052-82.9% | $2,761-87.3% | $2,343-85.0% |
| Participant deferral / active EE | $2,360 | $2,466-4.3% | $3,330-29.1% | $3,332-29.2% |
| Admin fee / account holder | $344 | $2,834-87.9% | $3,601-90.5% | $4,645-92.6% |