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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 | $19,580 | $63,703-69.3% | $93,063-79.0% | $82,448-76.3% |
| Participation rate | 61.5% | 63.8%-2.3pp | 72.1%-10.6pp | 68.1%-6.5pp |
| Annual return | 11.59% | -775.43%+787.0pp | 34.15%-22.6pp | 41.64%-30.1pp |
| Employer contribution / active EE | $199 | $1,729-88.5% | $2,476-92.0% | $2,551-92.2% |
| Participant deferral / active EE | $3,102 | $2,919+6.3% | $3,958-21.6% | $4,139-25.1% |
| Admin fee / account holder | $5,773 | $5,982-3.5% | $6,033-4.3% | $7,234-20.2% |