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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 | $53,494 | $53,128+0.7% | $86,582-38.2% | $70,126-23.7% |
| Participation rate | 66.7% | 65.3%+1.4pp | 73.5%-6.9pp | 69.5%-2.9pp |
| Annual return | 12.45% | 27.66%-15.2pp | 965.08%-952.6pp | 73.15%-60.7pp |
| Employer contribution / active EE | $228 | $2,068-89.0% | $2,839-92.0% | $2,343-90.2% |
| Participant deferral / active EE | $4,318 | $2,695+60.2% | $3,609+19.7% | $3,332+29.6% |
| Admin fee / account holder | $3,093 | $3,584-13.7% | $4,904-36.9% | $4,645-33.4% |