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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 | $51,532 | $54,763-5.9% | $90,324-42.9% | $72,976-29.4% |
| Participation rate | 67.6% | 65.2%+2.5pp | 73.3%-5.6pp | 69.5%-1.8pp |
| Annual return | 12.88% | 30.63%-17.8pp | 78.15%-65.3pp | 81.02%-68.1pp |
| Employer contribution / active EE | $186 | $2,093-91.1% | $2,856-93.5% | $2,440-92.4% |
| Participant deferral / active EE | $2,103 | $2,887-27.2% | $3,885-45.9% | $3,608-41.7% |
| Admin fee / account holder | $911 | $3,973-77.1% | $5,356-83.0% | $5,124-82.2% |