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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 | $10,364 | $45,626-77.3% | $94,105-89.0% | $64,097-83.8% |
| Participation rate | 14.6% | 48.0%-33.5pp | 71.9%-57.4pp | 55.2%-40.6pp |
| Annual return | 10.25% | 28.23%-18.0pp | 204.55%-194.3pp | 34.64%-24.4pp |
| Employer contribution / active EE | $0 | $1,171-100.0% | $2,504-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $643 | $2,128-69.8% | $3,881-83.4% | $3,080-79.1% |
| Admin fee / account holder | $2,119 | $2,872-26.2% | $6,199-65.8% | $3,454-38.7% |