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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 | $59,292 | $58,099+2.1% | $76,872-22.9% | $75,173-21.1% |
| Participation rate | 64.4% | 63.9%+0.5pp | 69.6%-5.2pp | 67.2%-2.8pp |
| Annual return | 10.00% | 26.71%-16.7pp | 37.90%-27.9pp | 160.72%-150.7pp |
| Employer contribution / active EE | $117 | $1,996-94.2% | $2,533-95.4% | $2,671-95.6% |
| Participant deferral / active EE | $2,398 | $2,999-20.1% | $3,832-37.4% | $4,126-41.9% |
| Admin fee / account holder | $5,543 | $4,778+16.0% | $5,476+1.2% | $5,651-1.9% |