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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 | $7,401 | $76,407-90.3% | $150,298-95.1% | $82,448-91.0% |
| Participation rate | 64.1% | 66.4%-2.3pp | 77.8%-13.7pp | 68.1%-4.0pp |
| Annual return | 7.20% | 39.99%-32.8pp | 62.79%-55.6pp | 41.64%-34.4pp |
| Employer contribution / active EE | $203 | $2,614-92.2% | $4,154-95.1% | $2,551-92.0% |
| Participant deferral / active EE | $2,367 | $3,214-26.4% | $5,453-56.6% | $4,139-42.8% |
| Admin fee / account holder | $1,426 | $6,352-77.6% | $14,116-89.9% | $7,234-80.3% |