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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 | $13,337 | $58,848-77.3% | $88,179-84.9% | $82,637-83.9% |
| Participation rate | 68.7% | 57.9%+10.8pp | 69.1%-0.5pp | 68.1%+0.6pp |
| Annual return | 12.61% | 22.76%-10.1pp | 64.97%-52.4pp | 53.51%-40.9pp |
| Employer contribution / active EE | $0 | $1,678-100.0% | $2,549-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,246 | $3,124-28.1% | $4,614-51.3% | $4,126-45.6% |
| Admin fee / account holder | $699 | $4,795-85.4% | $7,673-90.9% | $7,339-90.5% |