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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 | $45,094 | $58,493-22.9% | $84,021-46.3% | $72,975-38.2% |
| Participation rate | 67.5% | 61.2%+6.3pp | 69.0%-1.5pp | 69.5%-2.0pp |
| Annual return | 1.87% | 28.93%-27.1pp | 71.32%-69.4pp | 81.01%-79.1pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,286 | $2,394-4.5% | $3,239-29.4% | $3,608-36.6% |
| Admin fee / account holder | $1,009 | $4,569-77.9% | $6,102-83.5% | $5,124-80.3% |