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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 | $16,993 | $39,028-56.5% | $80,741-79.0% | $85,847-80.2% |
| Participation rate | 43.5% | 41.6%+1.9pp | 54.2%-10.7pp | 69.3%-25.8pp |
| Annual return | 9.25% | 26.31%-17.1pp | 87.30%-78.1pp | 318.61%-309.4pp |
| Employer contribution / active EE | $77 | $722-89.3% | $1,160-93.3% | $2,565-97.0% |
| Participant deferral / active EE | $839 | $1,326-36.7% | $2,145-60.9% | $3,952-78.8% |
| Admin fee / account holder | $1,382 | $2,429-43.1% | $3,380-59.1% | $6,261-77.9% |