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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 | $81,459 | $93,598-13.0% | $135,974-40.1% | $75,173+8.4% |
| Participation rate | 68.8% | 75.2%-6.4pp | 81.9%-13.2pp | 67.2%+1.5pp |
| Annual return | 12.73% | 30.89%-18.2pp | 68.30%-55.6pp | 160.72%-148.0pp |
| Employer contribution / active EE | $546 | $3,538-84.6% | $4,859-88.8% | $2,671-79.6% |
| Participant deferral / active EE | $4,831 | $6,405-24.6% | $7,760-37.7% | $4,126+17.1% |
| Admin fee / account holder | $13,937 | $6,978+99.7% | $10,767+29.4% | $5,651+146.6% |