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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 | $18,765 | $78,015-75.9% | $178,505-89.5% | $80,959-76.8% |
| Participation rate | 53.7% | 65.7%-12.0pp | 77.1%-23.5pp | 67.7%-14.0pp |
| Annual return | 6.13% | 18.10%-12.0pp | 27.16%-21.0pp | 35.67%-29.5pp |
| Employer contribution / active EE | $2 | $2,281-99.9% | $3,955-99.9% | $2,757-99.9% |
| Participant deferral / active EE | $1,835 | $4,406-58.4% | $6,280-70.8% | $4,300-57.3% |
| Admin fee / account holder | $2,332 | $7,160-67.4% | $10,428-77.6% | $6,925-66.3% |