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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 | $14,820 | $57,119-74.1% | $85,187-82.6% | $80,935-81.7% |
| Participation rate | 50.0% | 56.4%-6.4pp | 67.5%-17.5pp | 67.7%-17.7pp |
| Annual return | 7.76% | 21.70%-13.9pp | 66.67%-58.9pp | 35.66%-27.9pp |
| Employer contribution / active EE | $56 | $1,802-96.9% | $2,732-97.9% | $2,757-98.0% |
| Participant deferral / active EE | $870 | $3,115-72.1% | $4,525-80.8% | $4,299-79.8% |
| Admin fee / account holder | $1,366 | $4,990-72.6% | $6,162-77.8% | $6,924-80.3% |