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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 | $21,636 | $73,955-70.7% | $96,520-77.6% | $75,181-71.2% |
| Participation rate | 69.2% | 66.4%+2.8pp | 74.3%-5.1pp | 67.2%+2.0pp |
| Annual return | 13.01% | 26.72%-13.7pp | 35.72%-22.7pp | 160.69%-147.7pp |
| Employer contribution / active EE | $333 | $2,930-88.6% | $3,739-91.1% | $2,671-87.5% |
| Participant deferral / active EE | $2,467 | $3,659-32.6% | $4,879-49.4% | $4,126-40.2% |
| Admin fee / account holder | $1,855 | $5,217-64.4% | $6,733-72.4% | $5,650-67.2% |