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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 | $77,805 | $89,367-12.9% | $141,191-44.9% | $72,975+6.6% |
| Participation rate | 67.7% | 75.1%-7.4pp | 82.5%-14.7pp | 69.5%-1.7pp |
| Annual return | 16.86% | 111.87%-95.0pp | 71.41%-54.6pp | 81.01%-64.2pp |
| Employer contribution / active EE | $495 | $3,115-84.1% | $4,736-89.6% | $2,440-79.7% |
| Participant deferral / active EE | $4,597 | $5,419-15.2% | $6,710-31.5% | $3,608+27.4% |
| Admin fee / account holder | $11,082 | $5,957+86.1% | $10,264+8.0% | $5,124+116.3% |