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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 | $35,366 | $69,977-49.5% | $108,582-67.4% | $62,881-43.8% |
| Participation rate | 46.3% | 72.9%-26.6pp | 79.6%-33.3pp | 69.3%-23.0pp |
| Annual return | 3.21% | 10.73%-7.5pp | -51.70%+54.9pp | 20.14%-16.9pp |
| Employer contribution / active EE | $292 | $2,135-86.3% | $3,758-92.2% | $2,281-87.2% |
| Participant deferral / active EE | $2,933 | $3,165-7.3% | $4,311-32.0% | $3,203-8.4% |
| Admin fee / account holder | $4,548 | $5,076-10.4% | $7,645-40.5% | $4,296+5.9% |