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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 | $20,742 | $61,391-66.2% | $149,723-86.1% | $71,529-71.0% |
| Participation rate | 28.2% | 62.5%-34.3pp | 78.8%-50.6pp | 67.9%-39.7pp |
| Annual return | 8.35% | 35.88%-27.5pp | 134.50%-126.1pp | 28.97%-20.6pp |
| Employer contribution / active EE | $298 | $2,384-87.5% | $4,821-93.8% | $2,590-88.5% |
| Participant deferral / active EE | $1,027 | $2,921-64.8% | $5,682-81.9% | $4,291-76.1% |
| Admin fee / account holder | $2,472 | $1,264+95.5% | $13,215-81.3% | $1,588+55.6% |