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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 | $26,643 | $22,602+17.9% | $65,328-59.2% | $75,181-64.6% |
| Participation rate | 27.3% | 63.1%-35.8pp | 64.9%-37.7pp | 67.2%-39.9pp |
| Annual return | 14.26% | 71.13%-56.9pp | 47.39%-33.1pp | 160.69%-146.4pp |
| Employer contribution / active EE | $0 | $941-100.0% | $1,692-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $978 | $1,695-42.3% | $2,832-65.5% | $4,126-76.3% |
| Admin fee / account holder | $2,224 | $1,877+18.5% | $4,116-46.0% | $5,650-60.6% |