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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 | $36,443 | $102,385-64.4% | $147,080-75.2% | $80,935-55.0% |
| Participation rate | 48.3% | 75.9%-27.6pp | 82.2%-33.9pp | 67.7%-19.4pp |
| Annual return | 8.40% | 135.09%-126.7pp | 420.17%-411.8pp | 35.66%-27.3pp |
| Employer contribution / active EE | $741 | $3,717-80.1% | $4,933-85.0% | $2,757-73.1% |
| Participant deferral / active EE | $2,646 | $6,651-60.2% | $8,066-67.2% | $4,299-38.5% |
| Admin fee / account holder | $489 | $7,951-93.8% | $12,989-96.2% | $6,924-92.9% |