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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 | $11,044 | $81,358-86.4% | $155,556-92.9% | $80,959-86.4% |
| Participation rate | 44.4% | 66.3%-21.8pp | 78.2%-33.8pp | 67.7%-23.2pp |
| Annual return | 9.25% | 33.39%-24.1pp | 64.84%-55.6pp | 35.67%-26.4pp |
| Employer contribution / active EE | $209 | $3,106-93.3% | $4,675-95.5% | $2,757-92.4% |
| Participant deferral / active EE | $3,040 | $3,455-12.0% | $5,631-46.0% | $4,300-29.3% |
| Admin fee / account holder | $2,126 | $7,994-73.4% | $15,885-86.6% | $6,925-69.3% |