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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 | $52,436 | $84,236-37.8% | $170,435-69.2% | $70,126-25.2% |
| Participation rate | 37.8% | 70.8%-33.0pp | 83.6%-45.8pp | 69.5%-31.7pp |
| Annual return | 9.60% | 23.06%-13.5pp | 205.94%-196.3pp | 73.15%-63.6pp |
| Employer contribution / active EE | $130 | $3,387-96.2% | $5,432-97.6% | $2,343-94.4% |
| Participant deferral / active EE | $1,526 | $3,086-50.6% | $4,939-69.1% | $3,332-54.2% |
| Admin fee / account holder | $6,860 | $5,698+20.4% | $13,881-50.6% | $4,645+47.7% |