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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 | $39,250 | $38,969+0.7% | $109,313-64.1% | $55,167-28.9% |
| Participation rate | 51.0% | 58.2%-7.3pp | 71.3%-20.3pp | 69.0%-18.0pp |
| Annual return | 5.07% | 8.26%-3.2pp | 22.07%-17.0pp | 169.23%-164.2pp |
| Employer contribution / active EE | $177 | $1,227-85.6% | $3,892-95.5% | $1,963-91.0% |
| Participant deferral / active EE | $1,491 | $2,176-31.5% | $3,166-52.9% | $3,054-51.2% |
| Admin fee / account holder | $1,438 | $501+187.0% | $5,666-74.6% | $504+185.4% |