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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 | $34,538 | $81,476-57.6% | $102,383-66.3% | $80,925-57.3% |
| Participation rate | 69.2% | 66.8%+2.4pp | 74.5%-5.3pp | 67.7%+1.6pp |
| Annual return | 10.37% | 25.59%-15.2pp | 24.94%-14.6pp | 35.65%-25.3pp |
| Employer contribution / active EE | $726 | $3,105-76.6% | $3,870-81.2% | $2,756-73.7% |
| Participant deferral / active EE | $2,785 | $3,871-28.1% | $5,060-45.0% | $4,299-35.2% |
| Admin fee / account holder | $457 | $6,717-93.2% | $8,391-94.6% | $6,940-93.4% |