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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 | $36,750 | $58,493-37.2% | $84,023-56.3% | $72,976-49.6% |
| Participation rate | 61.5% | 61.2%+0.3pp | 69.0%-7.5pp | 69.5%-8.0pp |
| Annual return | 14.34% | 28.93%-14.6pp | 71.32%-57.0pp | 81.02%-66.7pp |
| Employer contribution / active EE | $30 | $1,163-97.4% | $1,984-98.5% | $2,440-98.8% |
| Participant deferral / active EE | $2,892 | $2,394+20.8% | $3,239-10.7% | $3,608-19.8% |
| Admin fee / account holder | $6,348 | $4,569+38.9% | $6,102+4.0% | $5,124+23.9% |