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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 | $41,919 | $56,121-25.3% | $92,985-54.9% | $64,340-34.8% |
| Participation rate | 47.2% | 44.9%+2.2pp | 69.5%-22.3pp | 55.2%-8.1pp |
| Annual return | 11.42% | 19.19%-7.8pp | 27.99%-16.6pp | 24.14%-12.7pp |
| Employer contribution / active EE | $197 | $1,351-85.4% | $2,662-92.6% | $1,862-89.4% |
| Participant deferral / active EE | $2,021 | $2,362-14.4% | $4,377-53.8% | $2,980-32.2% |
| Admin fee / account holder | $2,168 | $6,869-68.4% | $9,463-77.1% | $3,703-41.5% |