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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 | $68,627 | $89,367-23.2% | $141,191-51.4% | $72,975-6.0% |
| Participation rate | 34.5% | 75.1%-40.6pp | 82.5%-48.0pp | 69.5%-35.0pp |
| Annual return | 16.52% | 111.87%-95.3pp | 71.41%-54.9pp | 81.01%-64.5pp |
| Employer contribution / active EE | $13 | $3,115-99.6% | $4,736-99.7% | $2,440-99.5% |
| Participant deferral / active EE | $4,081 | $5,419-24.7% | $6,710-39.2% | $3,608+13.1% |
| Admin fee / account holder | $7,060 | $5,957+18.5% | $10,264-31.2% | $5,124+37.8% |