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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 | $74,987 | $105,284-28.8% | $150,734-50.3% | $94,015-20.2% |
| Participation rate | 43.2% | 71.7%-28.6pp | 78.4%-35.3pp | 70.8%-27.6pp |
| Annual return | 10.07% | 15.67%-5.6pp | 600.81%-590.7pp | 17.84%-7.8pp |
| Employer contribution / active EE | $759 | $3,599-78.9% | $4,918-84.6% | $2,790-72.8% |
| Participant deferral / active EE | $3,035 | $4,274-29.0% | $5,610-45.9% | $4,249-28.6% |
| Admin fee / account holder | $5,198 | $9,839-47.2% | $14,905-65.1% | $8,951-41.9% |