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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 | $31,723 | $25,014+26.8% | $69,623-54.4% | $80,935-60.8% |
| Participation rate | 69.2% | 64.2%+5.0pp | 66.4%+2.8pp | 67.7%+1.6pp |
| Annual return | 9.71% | 19.08%-9.4pp | 101.23%-91.5pp | 35.66%-25.9pp |
| Employer contribution / active EE | $0 | $991-100.0% | $1,709-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $830 | $1,840-54.9% | $2,890-71.3% | $4,299-80.7% |
| Admin fee / account holder | $3,475 | $2,491+39.5% | $4,696-26.0% | $6,924-49.8% |