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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 | $9,056 | $51,638-82.5% | $68,368-86.8% | $82,448-89.0% |
| Participation rate | 29.7% | 63.6%-33.9pp | 73.8%-44.1pp | 68.1%-38.4pp |
| Annual return | 13.32% | 37.53%-24.2pp | 292.57%-279.3pp | 41.64%-28.3pp |
| Employer contribution / active EE | $213 | $2,047-89.6% | $2,649-92.0% | $2,551-91.7% |
| Participant deferral / active EE | $888 | $2,914-69.5% | $4,123-78.5% | $4,139-78.5% |
| Admin fee / account holder | $390 | $4,643-91.6% | $5,150-92.4% | $7,234-94.6% |