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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 | $81,800 | $89,364-8.5% | $141,177-42.1% | $72,983+12.1% |
| Participation rate | 38.6% | 75.1%-36.5pp | 82.5%-43.8pp | 69.5%-30.9pp |
| Annual return | 17.64% | 111.86%-94.2pp | 71.40%-53.8pp | 81.01%-63.4pp |
| Employer contribution / active EE | $300 | $3,115-90.4% | $4,736-93.7% | $2,440-87.7% |
| Participant deferral / active EE | $2,957 | $5,419-45.4% | $6,710-55.9% | $3,608-18.0% |
| Admin fee / account holder | $9,755 | $5,959+63.7% | $10,263-4.9% | $5,124+90.4% |