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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 | $27,299 | $78,690-65.3% | $161,489-83.1% | $87,485-68.8% |
| Participation rate | 32.1% | 67.5%-35.4pp | 78.7%-46.6pp | 68.9%-36.9pp |
| Annual return | 10.36% | 32.74%-22.4pp | 89.72%-79.4pp | 26.06%-15.7pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,401 | $3,311-57.7% | $5,630-75.1% | $4,274-67.2% |
| Admin fee / account holder | $401 | $6,724-94.0% | $16,006-97.5% | $7,775-94.8% |