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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 | $18,725 | $77,908-76.0% | $149,696-87.5% | $75,173-75.1% |
| Participation rate | 20.5% | 65.6%-45.1pp | 78.8%-58.3pp | 67.2%-46.7pp |
| Annual return | 10.95% | 31.73%-20.8pp | 134.46%-123.5pp | 160.72%-149.8pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,444 | $3,411-57.7% | $5,682-74.6% | $4,126-65.0% |
| Admin fee / account holder | $1,172 | $5,950-80.3% | $13,212-91.1% | $5,651-79.3% |