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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 | $80,241 | $98,766-18.8% | $149,730-46.4% | $79,852+0.5% |
| Participation rate | 38.5% | 75.8%-37.3pp | 82.5%-44.0pp | 69.6%-31.2pp |
| Annual return | 11.70% | 27.43%-15.7pp | 276.70%-265.0pp | 31.72%-20.0pp |
| Employer contribution / active EE | $62 | $3,217-98.1% | $4,645-98.7% | $2,471-97.5% |
| Participant deferral / active EE | $3,356 | $5,681-40.9% | $6,843-51.0% | $3,740-10.3% |
| Admin fee / account holder | $8,165 | $6,052+34.9% | $9,310-12.3% | $5,306+53.9% |