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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 | $38,630 | $55,684-30.6% | $75,900-49.1% | $72,976-47.1% |
| Participation rate | 63.2% | 61.1%+2.0pp | 69.3%-6.1pp | 69.5%-6.3pp |
| Annual return | 7.01% | 27.60%-20.6pp | 30.73%-23.7pp | 81.02%-74.0pp |
| Employer contribution / active EE | $254 | $1,687-84.9% | $2,501-89.8% | $2,440-89.6% |
| Participant deferral / active EE | $1,029 | $2,634-60.9% | $3,604-71.4% | $3,608-71.5% |
| Admin fee / account holder | $1,229 | $3,981-69.1% | $5,421-77.3% | $5,124-76.0% |