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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 | $33,855 | $42,909-21.1% | $152,093-77.7% | $71,012-52.3% |
| Participation rate | 14.9% | 54.7%-39.8pp | 77.8%-62.9pp | 58.6%-43.7pp |
| Annual return | 9.94% | 30.57%-20.6pp | 66.36%-56.4pp | 37.67%-27.7pp |
| Employer contribution / active EE | $179 | $1,369-86.9% | $4,175-95.7% | $2,348-92.4% |
| Participant deferral / active EE | $575 | $1,904-69.8% | $5,451-89.4% | $3,246-82.3% |
| Admin fee / account holder | $1,533 | $1,014+51.2% | $14,497-89.4% | $1,167+31.4% |