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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 | $56,042 | $98,776-43.3% | $149,745-62.6% | $79,856-29.8% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.5%-32.5pp | 69.6%-19.6pp |
| Annual return | 11.81% | 27.38%-15.6pp | 276.72%-264.9pp | 31.71%-19.9pp |
| Employer contribution / active EE | $457 | $3,217-85.8% | $4,646-90.2% | $2,471-81.5% |
| Participant deferral / active EE | $4,128 | $5,681-27.3% | $6,843-39.7% | $3,741+10.4% |
| Admin fee / account holder | $3,852 | $6,053-36.4% | $9,312-58.6% | $5,306-27.4% |