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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 | $35,240 | $102,422-65.6% | $147,117-76.0% | $80,959-56.5% |
| Participation rate | 26.7% | 75.9%-49.2pp | 82.2%-55.5pp | 67.7%-41.0pp |
| Annual return | 6.61% | 135.16%-128.5pp | 420.54%-413.9pp | 35.67%-29.1pp |
| Employer contribution / active EE | $608 | $3,717-83.6% | $4,932-87.7% | $2,757-77.9% |
| Participant deferral / active EE | $2,879 | $6,652-56.7% | $8,065-64.3% | $4,300-33.1% |
| Admin fee / account holder | $662 | $7,953-91.7% | $12,993-94.9% | $6,925-90.4% |