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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 | $11,488 | $76,407-85.0% | $150,298-92.4% | $82,448-86.1% |
| Participation rate | 34.8% | 66.4%-31.6pp | 77.8%-43.0pp | 68.1%-33.3pp |
| Annual return | 12.63% | 39.99%-27.4pp | 62.79%-50.2pp | 41.64%-29.0pp |
| Employer contribution / active EE | $38 | $2,614-98.5% | $4,154-99.1% | $2,551-98.5% |
| Participant deferral / active EE | $1,809 | $3,214-43.7% | $5,453-66.8% | $4,139-56.3% |
| Admin fee / account holder | $845 | $6,352-86.7% | $14,116-94.0% | $7,234-88.3% |