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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 | $70,112 | $68,586+2.2% | $120,380-41.8% | $80,911-13.3% |
| Participation rate | 55.6% | 61.6%-6.0pp | 71.9%-16.4pp | 67.6%-12.1pp |
| Annual return | 9.30% | 23.62%-14.3pp | 107.28%-98.0pp | 35.63%-26.3pp |
| Employer contribution / active EE | $307 | $2,053-85.0% | $3,465-91.1% | $2,756-88.8% |
| Participant deferral / active EE | $1,211 | $3,174-61.8% | $4,992-75.7% | $4,297-71.8% |
| Admin fee / account holder | $670 | $5,733-88.3% | $9,421-92.9% | $6,935-90.3% |