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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 | $61,314 | $114,712-46.5% | $173,730-64.7% | $87,485-29.9% |
| Participation rate | 69.0% | 73.0%-3.9pp | 79.6%-10.5pp | 68.9%+0.1pp |
| Annual return | 11.81% | 20.18%-8.4pp | 19.96%-8.1pp | 26.06%-14.3pp |
| Employer contribution / active EE | $402 | $2,904-86.2% | $4,577-91.2% | $2,596-84.5% |
| Participant deferral / active EE | $3,598 | $4,642-22.5% | $6,326-43.1% | $4,274-15.8% |
| Admin fee / account holder | $5,189 | $10,210-49.2% | $17,523-70.4% | $7,775-33.3% |