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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 | $15,651 | $77,908-79.9% | $149,696-89.5% | $75,173-79.2% |
| Participation rate | 47.4% | 65.6%-18.1pp | 78.8%-31.3pp | 67.2%-19.8pp |
| Annual return | 12.35% | 31.73%-19.4pp | 134.46%-122.1pp | 160.72%-148.4pp |
| Employer contribution / active EE | $192 | $3,138-93.9% | $4,821-96.0% | $2,671-92.8% |
| Participant deferral / active EE | $874 | $3,411-74.4% | $5,682-84.6% | $4,126-78.8% |
| Admin fee / account holder | $565 | $5,950-90.5% | $13,212-95.7% | $5,651-90.0% |