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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 | $75,541-73.3% | $152,093-86.8% | $82,637-75.6% |
| Participation rate | 23.6% | 66.5%-42.9pp | 77.8%-54.2pp | 68.1%-44.4pp |
| Annual return | 12.14% | 32.56%-20.4pp | 66.36%-54.2pp | 53.51%-41.4pp |
| Employer contribution / active EE | $129 | $2,622-95.1% | $4,175-96.9% | $2,552-95.0% |
| Participant deferral / active EE | $986 | $3,206-69.2% | $5,451-81.9% | $4,126-76.1% |
| Admin fee / account holder | $4,491 | $6,405-29.9% | $14,497-69.0% | $7,339-38.8% |