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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 | $23,178 | $59,440-61.0% | $78,004-70.3% | $82,637-72.0% |
| Participation rate | 66.7% | 62.8%+3.8pp | 69.4%-2.8pp | 68.1%-1.4pp |
| Annual return | 4.32% | 40.24%-35.9pp | 31.07%-26.8pp | 53.51%-49.2pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $5,014 | $3,138+59.8% | $4,092+22.5% | $4,126+21.5% |
| Admin fee / account holder | $2,495 | $5,504-54.7% | $7,578-67.1% | $7,339-66.0% |