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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 | $31,886 | $77,472-58.8% | $100,415-68.2% | $80,959-60.6% |
| Participation rate | 63.3% | 76.9%-13.6pp | 81.5%-18.2pp | 67.7%-4.3pp |
| Annual return | 12.23% | 37.26%-25.0pp | 49.47%-37.2pp | 35.67%-23.4pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,806 | $6,818+14.5% | $8,091-3.5% | $4,300+81.5% |
| Admin fee / account holder | $1,616 | $5,885-72.5% | $7,906-79.6% | $6,925-76.7% |