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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 | $64,800 | $79,955-19.0% | $98,450-34.2% | $75,181-13.8% |
| Participation rate | 67.7% | 70.4%-2.6pp | 75.2%-7.4pp | 67.2%+0.5pp |
| Annual return | 12.22% | 19.75%-7.5pp | 21.16%-8.9pp | 160.69%-148.5pp |
| Employer contribution / active EE | $0 | $2,264-100.0% | $3,049-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,892 | $3,752-22.9% | $4,739-39.0% | $4,126-29.9% |
| Admin fee / account holder | $397 | $6,841-94.2% | $8,961-95.6% | $5,650-93.0% |