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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 | $42,596 | $93,345-54.4% | $119,126-64.2% | $87,485-51.3% |
| Participation rate | 35.5% | 68.7%-33.3pp | 75.8%-40.3pp | 68.9%-33.4pp |
| Annual return | 10.99% | 19.08%-8.1pp | 282.11%-271.1pp | 26.06%-15.1pp |
| Employer contribution / active EE | $777 | $3,172-75.5% | $4,034-80.7% | $2,596-70.1% |
| Participant deferral / active EE | $2,475 | $4,099-39.6% | $5,318-53.5% | $4,274-42.1% |
| Admin fee / account holder | $584 | $8,039-92.7% | $10,693-94.5% | $7,775-92.5% |