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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 | $75,104 | $72,269+3.9% | $101,271-25.8% | $79,852-5.9% |
| Participation rate | 68.8% | 68.5%+0.4pp | 75.8%-7.0pp | 69.6%-0.8pp |
| Annual return | 7.38% | 22.29%-14.9pp | 46.48%-39.1pp | 31.72%-24.3pp |
| Employer contribution / active EE | $584 | $2,692-78.3% | $3,660-84.0% | $2,471-76.4% |
| Participant deferral / active EE | $1,402 | $3,282-57.3% | $4,371-67.9% | $3,740-62.5% |
| Admin fee / account holder | $1,573 | $4,401-64.3% | $5,948-73.5% | $5,306-70.4% |