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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 | $53,254 | $88,360-39.7% | $145,433-63.4% | $67,986-21.7% |
| Participation rate | 66.3% | 65.5%+0.9pp | 82.1%-15.8pp | 57.2%+9.1pp |
| Annual return | 11.83% | 63.15%-51.3pp | 66.58%-54.7pp | 31.67%-19.8pp |
| Employer contribution / active EE | $179 | $3,054-94.1% | $4,554-96.1% | $2,019-91.1% |
| Participant deferral / active EE | $8,480 | $5,932+43.0% | $7,897+7.4% | $3,358+152.5% |
| Admin fee / account holder | $15,347 | $3,313+363.2% | $13,129+16.9% | $3,203+379.1% |