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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 | $40,565 | $102,065-60.3% | $453,569-91.1% | $85,847-52.7% |
| Participation rate | 38.9% | 72.4%-33.5pp | 78.0%-39.1pp | 69.3%-30.4pp |
| Annual return | 8.12% | 25.44%-17.3pp | 64.43%-56.3pp | 318.61%-310.5pp |
| Employer contribution / active EE | $628 | $2,852-78.0% | $4,072-84.6% | $2,565-75.5% |
| Participant deferral / active EE | $2,685 | $4,789-43.9% | $6,211-56.8% | $3,952-32.1% |
| Admin fee / account holder | $502 | $5,717-91.2% | $11,214-95.5% | $6,261-92.0% |