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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 | $36,997 | $50,554-26.8% | $67,681-45.3% | $87,485-57.7% |
| Participation rate | 43.6% | 67.7%-24.1pp | 73.7%-30.1pp | 68.9%-25.3pp |
| Annual return | 7.78% | 17.81%-10.0pp | 590.58%-582.8pp | 26.06%-18.3pp |
| Employer contribution / active EE | $409 | $1,988-79.4% | $2,678-84.7% | $2,596-84.3% |
| Participant deferral / active EE | $1,064 | $2,961-64.1% | $3,976-73.2% | $4,274-75.1% |
| Admin fee / account holder | $7,833 | $4,132+89.5% | $6,100+28.4% | $7,775+0.7% |