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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 | $43,196 | $98,760-56.3% | $149,715-71.1% | $79,858-45.9% |
| Participation rate | 26.9% | 75.8%-48.9pp | 82.5%-55.6pp | 69.6%-42.7pp |
| Annual return | 3.74% | 27.43%-23.7pp | 276.66%-272.9pp | 31.72%-28.0pp |
| Employer contribution / active EE | $336 | $3,217-89.6% | $4,645-92.8% | $2,471-86.4% |
| Participant deferral / active EE | $3,108 | $5,681-45.3% | $6,842-54.6% | $3,740-16.9% |
| Admin fee / account holder | $21,264 | $6,053+251.3% | $9,310+128.4% | $5,306+300.8% |