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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 | $20,619 | $84,236-75.5% | $170,435-87.9% | $70,126-70.6% |
| Participation rate | 56.8% | 70.8%-14.0pp | 83.6%-26.8pp | 69.5%-12.8pp |
| Annual return | 10.56% | 23.06%-12.5pp | 205.94%-195.4pp | 73.15%-62.6pp |
| Employer contribution / active EE | $331 | $3,387-90.2% | $5,432-93.9% | $2,343-85.9% |
| Participant deferral / active EE | $1,286 | $3,086-58.3% | $4,939-74.0% | $3,332-61.4% |
| Admin fee / account holder | $600 | $5,698-89.5% | $13,881-95.7% | $4,645-87.1% |