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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 | $25,983 | $48,053-45.9% | $84,637-69.3% | $72,976-64.4% |
| Participation rate | 30.0% | 57.6%-27.6pp | 68.2%-38.2pp | 69.5%-39.5pp |
| Annual return | 10.98% | 37.39%-26.4pp | 258.82%-247.8pp | 81.02%-70.0pp |
| Employer contribution / active EE | $21 | $1,602-98.7% | $2,653-99.2% | $2,440-99.1% |
| Participant deferral / active EE | $1,160 | $2,681-56.7% | $3,900-70.3% | $3,608-67.8% |
| Admin fee / account holder | $4,877 | $3,395+43.6% | $4,914-0.8% | $5,124-4.8% |