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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 | $31,811 | $84,236-62.2% | $170,435-81.3% | $70,126-54.6% |
| Participation rate | 40.0% | 70.8%-30.8pp | 83.6%-43.6pp | 69.5%-29.5pp |
| Annual return | 11.68% | 23.06%-11.4pp | 205.94%-194.3pp | 73.15%-61.5pp |
| Employer contribution / active EE | $224 | $3,387-93.4% | $5,432-95.9% | $2,343-90.4% |
| Participant deferral / active EE | $2,654 | $3,086-14.0% | $4,939-46.3% | $3,332-20.3% |
| Admin fee / account holder | $1,203 | $5,698-78.9% | $13,881-91.3% | $4,645-74.1% |