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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 | $23,698 | $54,541-56.6% | $78,778-69.9% | $70,126-66.2% |
| Participation rate | 26.2% | 60.8%-34.6pp | 69.2%-43.0pp | 69.5%-43.3pp |
| Annual return | 7.70% | 21.07%-13.4pp | 35.62%-27.9pp | 73.15%-65.4pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,794 | $2,210-18.8% | $2,958-39.4% | $3,332-46.2% |
| Admin fee / account holder | $2,189 | $3,709-41.0% | $5,134-57.4% | $4,645-52.9% |