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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 | $75,105 | $78,423-4.2% | $95,964-21.7% | $79,856-5.9% |
| Participation rate | 65.7% | 73.5%-7.8pp | 77.1%-11.4pp | 69.6%-3.9pp |
| Annual return | 6.66% | 19.37%-12.7pp | 91.64%-85.0pp | 31.71%-25.0pp |
| Employer contribution / active EE | $245 | $1,945-87.4% | $2,541-90.4% | $2,471-90.1% |
| Participant deferral / active EE | $2,451 | $3,440-28.7% | $4,167-41.2% | $3,741-34.5% |
| Admin fee / account holder | $10,201 | $5,622+81.4% | $6,797+50.1% | $5,306+92.2% |