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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 | $64,248 | $63,354+1.4% | $94,105-31.7% | $82,637-22.3% |
| Participation rate | 69.2% | 63.8%+5.4pp | 71.9%-2.7pp | 68.1%+1.2pp |
| Annual return | 10.18% | 34.36%-24.2pp | 204.55%-194.4pp | 53.51%-43.3pp |
| Employer contribution / active EE | $0 | $1,760-100.0% | $2,504-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $909 | $2,873-68.4% | $3,881-76.6% | $4,126-78.0% |
| Admin fee / account holder | $2,790 | $5,073-45.0% | $6,199-55.0% | $7,339-62.0% |