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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 | $19,580 | $73,107-73.2% | $114,563-82.9% | $87,485-77.6% |
| Participation rate | 61.5% | 65.8%-4.2pp | 72.9%-11.4pp | 68.9%-7.4pp |
| Annual return | 11.59% | 19.47%-7.9pp | 241.09%-229.5pp | 26.06%-14.5pp |
| Employer contribution / active EE | $199 | $1,881-89.4% | $2,592-92.3% | $2,596-92.4% |
| Participant deferral / active EE | $3,102 | $3,144-1.3% | $4,142-25.1% | $4,274-27.4% |
| Admin fee / account holder | $5,773 | $5,770+0.1% | $7,623-24.3% | $7,775-25.7% |