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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 | $51,736 | $60,442-14.4% | $96,754-46.5% | $87,485-40.9% |
| Participation rate | 40.0% | 58.7%-18.7pp | 70.3%-30.3pp | 68.9%-28.9pp |
| Annual return | 11.88% | 21.97%-10.1pp | 82.04%-70.2pp | 26.06%-14.2pp |
| Employer contribution / active EE | $67 | $1,691-96.0% | $2,679-97.5% | $2,596-97.4% |
| Participant deferral / active EE | $1,087 | $3,280-66.9% | $4,758-77.1% | $4,274-74.6% |
| Admin fee / account holder | $413 | $5,069-91.9% | $8,905-95.4% | $7,775-94.7% |