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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 | $129,960 | $99,079+31.2% | $78,002+66.6% | $273,972-52.6% |
| Participation rate | 66.7% | 78.6%-11.9pp | 75.5%-8.9pp | 83.0%-16.3pp |
| Annual return | -4.55% | 217.93%-222.5pp | 425.99%-430.5pp | 41.46%-46.0pp |
| Employer contribution / active EE | $346 | $3,308-89.5% | $2,470-86.0% | $4,869-92.9% |
| Participant deferral / active EE | $2,187 | $4,306-49.2% | $3,497-37.5% | $5,287-58.6% |
| Admin fee / account holder | $7,592 | $8,954-15.2% | $5,481+38.5% | $10,133-25.1% |