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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 | $42,083 | $88,672-52.5% | $105,223-60.0% | $82,448-49.0% |
| Participation rate | 38.3% | 67.9%-29.6pp | 75.0%-36.7pp | 68.1%-29.7pp |
| Annual return | 12.31% | 30.86%-18.5pp | 180.65%-168.3pp | 41.64%-29.3pp |
| Employer contribution / active EE | $376 | $3,048-87.7% | $3,689-89.8% | $2,551-85.3% |
| Participant deferral / active EE | $1,878 | $4,036-53.5% | $5,072-63.0% | $4,139-54.6% |
| Admin fee / account holder | $3,458 | $7,146-51.6% | $8,859-61.0% | $7,234-52.2% |