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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 | $20,137 | $76,407-73.6% | $150,298-86.6% | $82,448-75.6% |
| Participation rate | 23.6% | 66.4%-42.8pp | 77.8%-54.1pp | 68.1%-44.5pp |
| Annual return | 12.14% | 39.99%-27.9pp | 62.79%-50.6pp | 41.64%-29.5pp |
| Employer contribution / active EE | $129 | $2,614-95.1% | $4,154-96.9% | $2,551-95.0% |
| Participant deferral / active EE | $986 | $3,214-69.3% | $5,453-81.9% | $4,139-76.2% |
| Admin fee / account holder | $4,491 | $6,352-29.3% | $14,116-68.2% | $7,234-37.9% |