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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 | $66,968 | $65,367+2.4% | $92,915-27.9% | $72,976-8.2% |
| Participation rate | 32.1% | 68.3%-36.3pp | 76.0%-44.0pp | 69.5%-37.4pp |
| Annual return | 13.80% | 42.11%-28.3pp | 109.45%-95.7pp | 81.02%-67.2pp |
| Employer contribution / active EE | $410 | $2,594-84.2% | $3,653-88.8% | $2,440-83.2% |
| Participant deferral / active EE | $3,000 | $3,128-4.1% | $4,238-29.2% | $3,608-16.8% |
| Admin fee / account holder | $9,917 | $4,251+133.3% | $5,796+71.1% | $5,124+93.5% |