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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 | $13,584 | $48,337-71.9% | $67,560-79.9% | $80,959-83.2% |
| Participation rate | 32.6% | 66.4%-33.9pp | 72.9%-40.4pp | 67.7%-35.1pp |
| Annual return | 10.70% | 18.26%-7.6pp | 3533.50%-3522.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $351 | $2,023-82.6% | $2,737-87.2% | $2,757-87.3% |
| Participant deferral / active EE | $2,328 | $2,928-20.5% | $4,004-41.9% | $4,300-45.9% |
| Admin fee / account holder | $965 | $3,695-73.9% | $3,994-75.8% | $6,925-86.1% |