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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 | $34,532 | $81,331-57.5% | $155,534-77.8% | $80,935-57.3% |
| Participation rate | 62.1% | 66.3%-4.2pp | 78.2%-16.1pp | 67.7%-5.6pp |
| Annual return | 8.83% | 33.37%-24.5pp | 64.92%-56.1pp | 35.66%-26.8pp |
| Employer contribution / active EE | $243 | $3,105-92.2% | $4,675-94.8% | $2,757-91.2% |
| Participant deferral / active EE | $2,429 | $3,454-29.7% | $5,630-56.9% | $4,299-43.5% |
| Admin fee / account holder | $2,982 | $7,999-62.7% | $15,900-81.2% | $6,924-56.9% |