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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 | $78,690-74.4% | $161,489-87.5% | $87,485-77.0% |
| Participation rate | 23.6% | 67.5%-43.9pp | 78.7%-55.1pp | 68.9%-45.3pp |
| Annual return | 12.14% | 32.74%-20.6pp | 89.72%-77.6pp | 26.06%-13.9pp |
| Employer contribution / active EE | $129 | $2,588-95.0% | $4,268-97.0% | $2,596-95.0% |
| Participant deferral / active EE | $986 | $3,311-70.2% | $5,630-82.5% | $4,274-76.9% |
| Admin fee / account holder | $4,491 | $6,724-33.2% | $16,006-71.9% | $7,775-42.2% |