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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 | $13,656 | $45,043-69.7% | $63,005-78.3% | $70,124-80.5% |
| Participation rate | 53.8% | 69.5%-15.7pp | 74.8%-21.0pp | 69.5%-15.7pp |
| Annual return | 6.55% | 18.76%-12.2pp | 87.59%-81.0pp | 73.14%-66.6pp |
| Employer contribution / active EE | $197 | $2,052-90.4% | $2,760-92.8% | $2,342-91.6% |
| Participant deferral / active EE | $928 | $2,466-62.4% | $3,329-72.1% | $3,332-72.2% |
| Admin fee / account holder | $6,664 | $2,833+135.2% | $3,599+85.1% | $4,645+43.4% |