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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 | $42,881 | $69,977-38.7% | $108,582-60.5% | $62,881-31.8% |
| Participation rate | 60.5% | 72.9%-12.4pp | 79.6%-19.0pp | 69.3%-8.8pp |
| Annual return | 4.62% | 10.73%-6.1pp | -51.70%+56.3pp | 20.14%-15.5pp |
| Employer contribution / active EE | $408 | $2,135-80.9% | $3,758-89.1% | $2,281-82.1% |
| Participant deferral / active EE | $1,832 | $3,165-42.1% | $4,311-57.5% | $3,203-42.8% |
| Admin fee / account holder | $984 | $5,076-80.6% | $7,645-87.1% | $4,296-77.1% |