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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 | $9,616 | $76,407-87.4% | $150,298-93.6% | $82,448-88.3% |
| Participation rate | 29.7% | 66.4%-36.7pp | 77.8%-48.0pp | 68.1%-38.3pp |
| Annual return | 7.80% | 39.99%-32.2pp | 62.79%-55.0pp | 41.64%-33.8pp |
| Employer contribution / active EE | $249 | $2,614-90.5% | $4,154-94.0% | $2,551-90.3% |
| Participant deferral / active EE | $1,166 | $3,214-63.7% | $5,453-78.6% | $4,139-71.8% |
| Admin fee / account holder | $818 | $6,352-87.1% | $14,116-94.2% | $7,234-88.7% |