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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 | $31,133 | $40,479-23.1% | $78,210-60.2% | $62,293-50.0% |
| Participation rate | 31.5% | 54.6%-23.1pp | 68.7%-37.3pp | 69.5%-38.0pp |
| Annual return | 12.81% | 66.31%-53.5pp | 40.90%-28.1pp | 28.90%-16.1pp |
| Employer contribution / active EE | $164 | $1,024-84.0% | $2,034-91.9% | $2,042-92.0% |
| Participant deferral / active EE | $831 | $1,718-51.6% | $2,823-70.6% | $3,169-73.8% |
| Admin fee / account holder | $2,496 | $376+563.5% | $3,758-33.6% | $479+420.7% |