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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 | $87,234 | $102,422-14.8% | $147,117-40.7% | $80,959+7.8% |
| Participation rate | 44.4% | 75.9%-31.4pp | 82.2%-37.7pp | 67.7%-23.2pp |
| Annual return | 10.21% | 135.16%-124.9pp | 420.54%-410.3pp | 35.67%-25.5pp |
| Employer contribution / active EE | $470 | $3,717-87.4% | $4,932-90.5% | $2,757-83.0% |
| Participant deferral / active EE | $4,757 | $6,652-28.5% | $8,065-41.0% | $4,300+10.6% |
| Admin fee / account holder | $12,848 | $7,953+61.5% | $12,993-1.1% | $6,925+85.5% |