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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 | $70,281 | $98,766-28.8% | $149,730-53.1% | $79,852-12.0% |
| Participation rate | 63.8% | 75.8%-12.0pp | 82.5%-18.7pp | 69.6%-5.8pp |
| Annual return | 8.72% | 27.43%-18.7pp | 276.70%-268.0pp | 31.72%-23.0pp |
| Employer contribution / active EE | $585 | $3,217-81.8% | $4,645-87.4% | $2,471-76.3% |
| Participant deferral / active EE | $2,526 | $5,681-55.5% | $6,843-63.1% | $3,740-32.5% |
| Admin fee / account holder | $5,634 | $6,052-6.9% | $9,310-39.5% | $5,306+6.2% |