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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 | $65,038 | $59,804+8.8% | $81,982-20.7% | $79,856-18.6% |
| Participation rate | 39.6% | 61.6%-22.0pp | 69.3%-29.7pp | 69.6%-30.1pp |
| Annual return | 8.85% | 17.56%-8.7pp | 41.31%-32.5pp | 31.71%-22.9pp |
| Employer contribution / active EE | $214 | $1,713-87.5% | $2,498-91.4% | $2,471-91.3% |
| Participant deferral / active EE | $1,175 | $2,695-56.4% | $3,722-68.4% | $3,741-68.6% |
| Admin fee / account holder | $6,374 | $4,288+48.6% | $5,665+12.5% | $5,306+20.1% |