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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 | $37,005 | $77,164-52.0% | $178,014-79.2% | $80,874-54.2% |
| Participation rate | 41.8% | 65.7%-23.9pp | 77.1%-35.3pp | 67.6%-25.8pp |
| Annual return | 9.45% | 18.09%-8.6pp | 294.80%-285.3pp | 35.62%-26.2pp |
| Employer contribution / active EE | $292 | $2,288-87.2% | $3,950-92.6% | $2,756-89.4% |
| Participant deferral / active EE | $1,881 | $4,408-57.3% | $6,276-70.0% | $4,297-56.2% |
| Admin fee / account holder | $1,338 | $7,164-81.3% | $10,362-87.1% | $6,935-80.7% |