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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 | $16,041 | $38,969-58.8% | $109,313-85.3% | $55,167-70.9% |
| Participation rate | 55.0% | 58.2%-3.2pp | 71.3%-16.2pp | 69.0%-13.9pp |
| Annual return | 3.63% | 8.26%-4.6pp | 22.07%-18.4pp | 169.23%-165.6pp |
| Employer contribution / active EE | $160 | $1,227-86.9% | $3,892-95.9% | $1,963-91.8% |
| Participant deferral / active EE | $1,095 | $2,176-49.7% | $3,166-65.4% | $3,054-64.2% |
| Admin fee / account holder | $1,078 | $501+115.2% | $5,666-81.0% | $504+114.0% |