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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 | $35,906 | $86,949-58.7% | $102,460-65.0% | $80,959-55.6% |
| Participation rate | 58.6% | 72.4%-13.8pp | 76.5%-17.9pp | 67.7%-9.1pp |
| Annual return | 7.54% | 18.89%-11.4pp | 29.47%-21.9pp | 35.67%-28.1pp |
| Employer contribution / active EE | $671 | $2,370-71.7% | $3,025-77.8% | $2,757-75.6% |
| Participant deferral / active EE | $2,371 | $4,121-42.5% | $5,056-53.1% | $4,300-44.9% |
| Admin fee / account holder | $7,148 | $8,048-11.2% | $9,460-24.4% | $6,925+3.2% |