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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 | $62,255 | $81,331-23.5% | $155,534-60.0% | $80,935-23.1% |
| Participation rate | 64.4% | 66.3%-1.8pp | 78.2%-13.8pp | 67.7%-3.2pp |
| Annual return | 2.33% | 33.37%-31.0pp | 64.92%-62.6pp | 35.66%-33.3pp |
| Employer contribution / active EE | $39 | $3,105-98.8% | $4,675-99.2% | $2,757-98.6% |
| Participant deferral / active EE | $4,326 | $3,454+25.2% | $5,630-23.2% | $4,299+0.6% |
| Admin fee / account holder | $1,082 | $7,999-86.5% | $15,900-93.2% | $6,924-84.4% |