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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 | $79,311 | $76,834+3.2% | $108,359-26.8% | $87,485-9.3% |
| Participation rate | 57.7% | 61.7%-4.0pp | 70.1%-12.4pp | 68.9%-11.2pp |
| Annual return | 5.94% | 19.09%-13.2pp | 36.89%-31.0pp | 26.06%-20.1pp |
| Employer contribution / active EE | $228 | $1,556-85.4% | $2,399-90.5% | $2,596-91.2% |
| Participant deferral / active EE | $4,357 | $3,100+40.5% | $4,137+5.3% | $4,274+2.0% |
| Admin fee / account holder | $7,253 | $6,537+11.0% | $9,741-25.5% | $7,775-6.7% |