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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 | $17,130 | $49,239-65.2% | $70,462-75.7% | $79,858-78.5% |
| Participation rate | 53.8% | 69.2%-15.3pp | 75.1%-21.2pp | 69.6%-15.8pp |
| Annual return | 4.14% | 30.08%-25.9pp | 109.08%-104.9pp | 31.72%-27.6pp |
| Employer contribution / active EE | $358 | $2,100-83.0% | $2,737-86.9% | $2,471-85.5% |
| Participant deferral / active EE | $886 | $2,769-68.0% | $3,710-76.1% | $3,740-76.3% |
| Admin fee / account holder | $4,566 | $2,876+58.8% | $3,845+18.8% | $5,306-13.9% |