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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 | $73,231 | $88,672-17.4% | $105,223-30.4% | $82,448-11.2% |
| Participation rate | 56.0% | 67.9%-11.9pp | 75.0%-19.0pp | 68.1%-12.1pp |
| Annual return | 12.51% | 30.86%-18.3pp | 180.65%-168.1pp | 41.64%-29.1pp |
| Employer contribution / active EE | $498 | $3,048-83.7% | $3,689-86.5% | $2,551-80.5% |
| Participant deferral / active EE | $2,553 | $4,036-36.7% | $5,072-49.7% | $4,139-38.3% |
| Admin fee / account holder | $1,262 | $7,146-82.3% | $8,859-85.8% | $7,234-82.6% |