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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 | $87,574 | $101,795-14.0% | $165,100-47.0% | $80,959+8.2% |
| Participation rate | 68.3% | 71.8%-3.5pp | 78.6%-10.3pp | 67.7%+0.7pp |
| Annual return | 9.57% | 16.73%-7.2pp | 70.21%-60.6pp | 35.67%-26.1pp |
| Employer contribution / active EE | $518 | $2,954-82.5% | $4,348-88.1% | $2,757-81.2% |
| Participant deferral / active EE | $2,696 | $4,476-39.8% | $6,035-55.3% | $4,300-37.3% |
| Admin fee / account holder | $12,653 | $8,221+53.9% | $12,696-0.3% | $6,925+82.7% |