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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 | $88,699 | $102,385-13.4% | $147,080-39.7% | $80,935+9.6% |
| Participation rate | 43.5% | 75.9%-32.4pp | 82.2%-38.7pp | 67.7%-24.2pp |
| Annual return | 11.59% | 135.09%-123.5pp | 420.17%-408.6pp | 35.66%-24.1pp |
| Employer contribution / active EE | $796 | $3,717-78.6% | $4,933-83.9% | $2,757-71.1% |
| Participant deferral / active EE | $3,693 | $6,651-44.5% | $8,066-54.2% | $4,299-14.1% |
| Admin fee / account holder | $5,479 | $7,951-31.1% | $12,989-57.8% | $6,924-20.9% |