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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 | $60,569 | $102,393-40.8% | $147,041-58.8% | $80,911-25.1% |
| Participation rate | 67.7% | 75.9%-8.1pp | 82.2%-14.4pp | 67.6%+0.1pp |
| Annual return | 11.34% | 134.95%-123.6pp | 419.21%-407.9pp | 35.63%-24.3pp |
| Employer contribution / active EE | $847 | $3,715-77.2% | $4,935-82.8% | $2,756-69.3% |
| Participant deferral / active EE | $8,480 | $6,647+27.6% | $8,071+5.1% | $4,297+97.3% |
| Admin fee / account holder | $6,495 | $7,943-18.2% | $13,006-50.1% | $6,935-6.3% |