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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 | $29,050 | $72,269-59.8% | $101,271-71.3% | $79,852-63.6% |
| Participation rate | 69.0% | 68.5%+0.5pp | 75.8%-6.8pp | 69.6%-0.7pp |
| Annual return | 3.26% | 22.29%-19.0pp | 46.48%-43.2pp | 31.72%-28.5pp |
| Employer contribution / active EE | $296 | $2,692-89.0% | $3,660-91.9% | $2,471-88.0% |
| Participant deferral / active EE | $1,799 | $3,282-45.2% | $4,371-58.8% | $3,740-51.9% |
| Admin fee / account holder | $1,422 | $4,401-67.7% | $5,948-76.1% | $5,306-73.2% |