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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 | $34,165 | $108,825-68.6% | $156,181-78.1% | $82,448-58.6% |
| Participation rate | 40.5% | 72.4%-31.8pp | 78.8%-38.3pp | 68.1%-27.5pp |
| Annual return | 7.60% | 20.59%-13.0pp | 64.87%-57.3pp | 41.64%-34.0pp |
| Employer contribution / active EE | $598 | $2,870-79.2% | $4,294-86.1% | $2,551-76.5% |
| Participant deferral / active EE | $3,829 | $4,577-16.4% | $6,132-37.6% | $4,139-7.5% |
| Admin fee / account holder | $10,805 | $9,341+15.7% | $14,586-25.9% | $7,234+49.4% |