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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 | $50,879 | $71,215-28.6% | $93,696-45.7% | $80,935-37.1% |
| Participation rate | 61.1% | 60.4%+0.7pp | 68.7%-7.6pp | 67.7%-6.6pp |
| Annual return | 9.54% | 11.27%-1.7pp | 133.74%-124.2pp | 35.66%-26.1pp |
| Employer contribution / active EE | $341 | $1,565-78.2% | $2,422-85.9% | $2,757-87.6% |
| Participant deferral / active EE | $3,662 | $4,037-9.3% | $4,417-17.1% | $4,299-14.8% |
| Admin fee / account holder | $2,129 | $6,958-69.4% | $8,287-74.3% | $6,924-69.3% |