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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 | $16,684 | $55,932-70.2% | $76,735-78.3% | $67,986-75.5% |
| Participation rate | 38.0% | 50.8%-12.8pp | 69.5%-31.5pp | 57.2%-19.2pp |
| Annual return | 13.29% | 23.10%-9.8pp | 29.77%-16.5pp | 31.67%-18.4pp |
| Employer contribution / active EE | $126 | $1,487-91.5% | $2,454-94.9% | $2,019-93.7% |
| Participant deferral / active EE | $1,353 | $2,558-47.1% | $4,088-66.9% | $3,358-59.7% |
| Admin fee / account holder | $503 | $4,907-89.8% | $7,189-93.0% | $3,203-84.3% |