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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 | $15,040 | $95,383-84.2% | $185,837-91.9% | $85,856-82.5% |
| Participation rate | 34.6% | 68.8%-34.2pp | 81.7%-47.1pp | 69.3%-34.7pp |
| Annual return | 10.17% | 23.59%-13.4pp | 122.08%-111.9pp | 318.58%-308.4pp |
| Employer contribution / active EE | $0 | $3,313-100.0% | $5,168-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,210 | $3,423-64.7% | $5,568-78.3% | $3,952-69.4% |
| Admin fee / account holder | $2,991 | $7,213-58.5% | $16,241-81.6% | $6,261-52.2% |