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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 | $31,501 | $86,949-63.8% | $102,460-69.3% | $80,959-61.1% |
| Participation rate | 69.9% | 72.4%-2.5pp | 76.5%-6.6pp | 67.7%+2.2pp |
| Annual return | 8.03% | 18.89%-10.9pp | 29.47%-21.4pp | 35.67%-27.6pp |
| Employer contribution / active EE | $242 | $2,370-89.8% | $3,025-92.0% | $2,757-91.2% |
| Participant deferral / active EE | $2,422 | $4,121-41.2% | $5,056-52.1% | $4,300-43.7% |
| Admin fee / account holder | $935 | $8,048-88.4% | $9,460-90.1% | $6,925-86.5% |