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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 | $35,019 | $55,453-36.8% | $170,435-79.5% | $62,293-43.8% |
| Participation rate | 34.5% | 66.4%-31.9pp | 83.6%-49.1pp | 69.5%-35.0pp |
| Annual return | 9.86% | 21.38%-11.5pp | 205.94%-196.1pp | 28.90%-19.0pp |
| Employer contribution / active EE | $157 | $2,164-92.8% | $5,432-97.1% | $2,042-92.3% |
| Participant deferral / active EE | $789 | $2,303-65.7% | $4,939-84.0% | $3,169-75.1% |
| Admin fee / account holder | $6,320 | $455+1288.8% | $13,881-54.5% | $479+1218.5% |