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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 | $26,049 | $72,027-63.8% | $185,861-86.0% | $79,856-67.4% |
| Participation rate | 69.8% | 65.8%+4.0pp | 78.0%-8.3pp | 69.6%+0.1pp |
| Annual return | 4.28% | 23.13%-18.9pp | 35.96%-31.7pp | 31.71%-27.4pp |
| Employer contribution / active EE | $199 | $1,965-89.9% | $4,088-95.1% | $2,471-91.9% |
| Participant deferral / active EE | $1,718 | $3,780-54.5% | $5,634-69.5% | $3,741-54.1% |
| Admin fee / account holder | $4,747 | $4,513+5.2% | $9,503-50.1% | $5,306-10.5% |