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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 | $59,456 | $70,666-15.9% | $169,385-64.9% | $75,181-20.9% |
| Participation rate | 66.2% | 64.8%+1.4pp | 77.2%-11.0pp | 67.2%-1.0pp |
| Annual return | 12.60% | 36.37%-23.8pp | 405.82%-393.2pp | 160.69%-148.1pp |
| Employer contribution / active EE | $366 | $2,210-83.5% | $4,012-90.9% | $2,671-86.3% |
| Participant deferral / active EE | $3,004 | $4,308-30.3% | $6,221-51.7% | $4,126-27.2% |
| Admin fee / account holder | $1,186 | $5,402-78.0% | $9,011-86.8% | $5,650-79.0% |