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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 | $19,543 | $81,358-76.0% | $155,556-87.4% | $80,959-75.9% |
| Participation rate | 30.3% | 66.3%-36.0pp | 78.2%-48.0pp | 67.7%-37.4pp |
| Annual return | 9.59% | 33.39%-23.8pp | 64.84%-55.2pp | 35.67%-26.1pp |
| Employer contribution / active EE | $156 | $3,106-95.0% | $4,675-96.7% | $2,757-94.4% |
| Participant deferral / active EE | $1,279 | $3,455-63.0% | $5,631-77.3% | $4,300-70.3% |
| Admin fee / account holder | $8,868 | $7,994+10.9% | $15,885-44.2% | $6,925+28.1% |