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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 | $27,131 | $22,602+20.0% | $65,583-58.6% | $75,177-63.9% |
| Participation rate | 34.2% | 63.1%-28.8pp | 65.0%-30.7pp | 67.2%-33.0pp |
| Annual return | 14.57% | 71.13%-56.6pp | 47.46%-32.9pp | 160.75%-146.2pp |
| Employer contribution / active EE | $152 | $941-83.9% | $1,692-91.0% | $2,671-94.3% |
| Participant deferral / active EE | $1,517 | $1,695-10.5% | $2,833-46.4% | $4,126-63.2% |
| Admin fee / account holder | $570 | $1,877-69.6% | $4,112-86.1% | $5,651-89.9% |