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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 | $76,407-73.0% | $150,298-86.3% | $82,448-75.0% |
| Participation rate | 20.9% | 66.4%-45.5pp | 77.8%-56.9pp | 68.1%-47.2pp |
| Annual return | 11.94% | 39.99%-28.0pp | 62.79%-50.8pp | 41.64%-29.7pp |
| Employer contribution / active EE | $98 | $2,614-96.3% | $4,154-97.6% | $2,551-96.2% |
| Participant deferral / active EE | $2,125 | $3,214-33.9% | $5,453-61.0% | $4,139-48.7% |
| Admin fee / account holder | $1,274 | $6,352-79.9% | $14,116-91.0% | $7,234-82.4% |