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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 | $23,155 | $27,800-16.7% | $58,561-60.5% | $71,511-67.6% |
| Participation rate | 20.4% | 34.6%-14.2pp | 50.9%-30.5pp | 67.9%-47.6pp |
| Annual return | 12.70% | 26.80%-14.1pp | 4251.33%-4238.6pp | 28.86%-16.2pp |
| Employer contribution / active EE | $80 | $632-87.4% | $1,053-92.4% | $2,589-96.9% |
| Participant deferral / active EE | $258 | $1,208-78.6% | $1,923-86.6% | $4,291-94.0% |
| Admin fee / account holder | $704 | $1,637-57.0% | $2,520-72.1% | $1,588-55.7% |