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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 | $33,669 | $84,236-60.0% | $170,435-80.2% | $70,126-52.0% |
| Participation rate | 60.5% | 70.8%-10.4pp | 83.6%-23.1pp | 69.5%-9.1pp |
| Annual return | 9.98% | 23.06%-13.1pp | 205.94%-196.0pp | 73.15%-63.2pp |
| Employer contribution / active EE | $151 | $3,387-95.5% | $5,432-97.2% | $2,343-93.5% |
| Participant deferral / active EE | $1,825 | $3,086-40.9% | $4,939-63.1% | $3,332-45.2% |
| Admin fee / account holder | $9,430 | $5,698+65.5% | $13,881-32.1% | $4,645+103.0% |