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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 | $32,989 | $25,014+31.9% | $69,632-52.6% | $80,959-59.3% |
| Participation rate | 35.3% | 64.2%-28.9pp | 66.4%-31.1pp | 67.7%-32.4pp |
| Annual return | 10.39% | 19.08%-8.7pp | 101.32%-90.9pp | 35.67%-25.3pp |
| Employer contribution / active EE | $261 | $991-73.7% | $1,708-84.7% | $2,757-90.5% |
| Participant deferral / active EE | $1,872 | $1,840+1.8% | $2,889-35.2% | $4,300-56.5% |
| Admin fee / account holder | $2,128 | $2,491-14.6% | $4,695-54.7% | $6,925-69.3% |