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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 | $41,256 | $90,400-54.4% | $186,193-77.8% | $87,485-52.8% |
| Participation rate | 64.7% | 66.2%-1.5pp | 77.1%-12.4pp | 68.9%-4.2pp |
| Annual return | 12.30% | 22.15%-9.9pp | 78.03%-65.7pp | 26.06%-13.8pp |
| Employer contribution / active EE | $324 | $2,170-85.1% | $3,918-91.7% | $2,596-87.5% |
| Participant deferral / active EE | $4,517 | $4,330+4.3% | $6,513-30.6% | $4,274+5.7% |
| Admin fee / account holder | $6,032 | $8,673-30.4% | $11,058-45.4% | $7,775-22.4% |