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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 | $12,536 | $81,358-84.6% | $155,556-91.9% | $80,959-84.5% |
| Participation rate | 53.8% | 66.3%-12.4pp | 78.2%-24.4pp | 67.7%-13.8pp |
| Annual return | 9.79% | 33.39%-23.6pp | 64.84%-55.0pp | 35.67%-25.9pp |
| Employer contribution / active EE | $298 | $3,106-90.4% | $4,675-93.6% | $2,757-89.2% |
| Participant deferral / active EE | $1,108 | $3,455-67.9% | $5,631-80.3% | $4,300-74.2% |
| Admin fee / account holder | $408 | $7,994-94.9% | $15,885-97.4% | $6,925-94.1% |