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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 | $40,228 | $65,378-38.5% | $87,103-53.8% | $65,186-38.3% |
| Participation rate | 44.6% | 75.3%-30.8pp | 76.9%-32.3pp | 70.2%-25.6pp |
| Annual return | 15.86% | 31.28%-15.4pp | 28.19%-12.3pp | 29.39%-13.5pp |
| Employer contribution / active EE | $471 | $1,823-74.2% | $2,521-81.3% | $2,177-78.4% |
| Participant deferral / active EE | $2,262 | $3,389-33.2% | $4,049-44.1% | $3,514-35.6% |
| Admin fee / account holder | $7,383 | $520+1320.2% | $7,491-1.4% | $847+771.4% |