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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 | $61,299 | $98,760-37.9% | $149,715-59.1% | $79,858-23.2% |
| Participation rate | 41.2% | 75.8%-34.6pp | 82.5%-41.3pp | 69.6%-28.5pp |
| Annual return | 5.72% | 27.43%-21.7pp | 276.66%-270.9pp | 31.72%-26.0pp |
| Employer contribution / active EE | $376 | $3,217-88.3% | $4,645-91.9% | $2,471-84.8% |
| Participant deferral / active EE | $2,444 | $5,681-57.0% | $6,842-64.3% | $3,740-34.6% |
| Admin fee / account holder | $1,753 | $6,053-71.0% | $9,310-81.2% | $5,306-67.0% |