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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 | $16,409 | $61,815-73.5% | $97,295-83.1% | $80,959-79.7% |
| Participation rate | 38.2% | 63.5%-25.2pp | 72.7%-34.4pp | 67.7%-29.4pp |
| Annual return | 8.49% | -558.73%+567.2pp | 75.62%-67.1pp | 35.67%-27.2pp |
| Employer contribution / active EE | $277 | $1,836-84.9% | $2,723-89.8% | $2,757-90.0% |
| Participant deferral / active EE | $958 | $3,027-68.3% | $4,264-77.5% | $4,300-77.7% |
| Admin fee / account holder | $5,754 | $5,166+11.4% | $5,646+1.9% | $6,925-16.9% |