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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 | $20,650 | $78,690-73.8% | $161,489-87.2% | $87,485-76.4% |
| Participation rate | 20.9% | 67.5%-46.6pp | 78.7%-57.8pp | 68.9%-48.0pp |
| Annual return | 11.94% | 32.74%-20.8pp | 89.72%-77.8pp | 26.06%-14.1pp |
| Employer contribution / active EE | $98 | $2,588-96.2% | $4,268-97.7% | $2,596-96.2% |
| Participant deferral / active EE | $2,125 | $3,311-35.8% | $5,630-62.2% | $4,274-50.3% |
| Admin fee / account holder | $1,274 | $6,724-81.1% | $16,006-92.0% | $7,775-83.6% |