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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 | $44,736 | $83,369-46.3% | $105,223-57.5% | $67,986-34.2% |
| Participation rate | 31.2% | 56.3%-25.1pp | 75.0%-43.8pp | 57.2%-26.0pp |
| Annual return | 11.32% | 24.64%-13.3pp | 180.65%-169.3pp | 31.67%-20.3pp |
| Employer contribution / active EE | $206 | $2,541-91.9% | $3,689-94.4% | $2,019-89.8% |
| Participant deferral / active EE | $1,633 | $3,295-50.4% | $5,072-67.8% | $3,358-51.4% |
| Admin fee / account holder | $1,505 | $4,073-63.0% | $8,859-83.0% | $3,203-53.0% |