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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 | $49,657-79.1% | $93,063-88.9% | $67,986-84.8% |
| Participation rate | 14.6% | 49.9%-35.4pp | 72.1%-57.6pp | 57.2%-42.7pp |
| Annual return | 10.25% | 26.27%-16.0pp | 34.15%-23.9pp | 31.67%-21.4pp |
| Employer contribution / active EE | $0 | $1,279-100.0% | $2,476-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $643 | $2,484-74.1% | $3,958-83.7% | $3,358-80.8% |
| Admin fee / account holder | $2,119 | $2,843-25.5% | $6,033-64.9% | $3,203-33.9% |