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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 | $49,159 | $46,688+5.3% | $189,758-74.1% | $69,733-29.5% |
| Participation rate | 34.7% | 61.7%-27.0pp | 79.8%-45.1pp | 62.5%-27.7pp |
| Annual return | 9.91% | 14.35%-4.4pp | 52.62%-42.7pp | 15.22%-5.3pp |
| Employer contribution / active EE | $334 | $1,695-80.3% | $4,767-93.0% | $2,250-85.2% |
| Participant deferral / active EE | $1,595 | $2,143-25.5% | $5,856-72.8% | $3,054-47.8% |
| Admin fee / account holder | $6,516 | $1,700+283.2% | $20,388-68.0% | $3,102+110.1% |