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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 | $45,999 | $86,949-47.1% | $102,460-55.1% | $80,959-43.2% |
| Participation rate | 65.2% | 72.4%-7.2pp | 76.5%-11.3pp | 67.7%-2.5pp |
| Annual return | 8.95% | 18.89%-9.9pp | 29.47%-20.5pp | 35.67%-26.7pp |
| Employer contribution / active EE | $212 | $2,370-91.0% | $3,025-93.0% | $2,757-92.3% |
| Participant deferral / active EE | $3,780 | $4,121-8.3% | $5,056-25.2% | $4,300-12.1% |
| Admin fee / account holder | $1,596 | $8,048-80.2% | $9,460-83.1% | $6,925-77.0% |