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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 | $94,409 | $102,429-7.8% | $147,096-35.8% | $80,925+16.7% |
| Participation rate | 51.6% | 75.9%-24.2pp | 82.2%-30.6pp | 67.7%-16.0pp |
| Annual return | 9.21% | 135.02%-125.8pp | 419.75%-410.5pp | 35.65%-26.4pp |
| Employer contribution / active EE | $854 | $3,716-77.0% | $4,936-82.7% | $2,756-69.0% |
| Participant deferral / active EE | $3,417 | $6,649-48.6% | $8,071-57.7% | $4,299-20.5% |
| Admin fee / account holder | $5,422 | $7,957-31.9% | $13,005-58.3% | $6,940-21.9% |