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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 | $15,728 | $59,440-73.5% | $78,004-79.8% | $82,637-81.0% |
| Participation rate | 40.0% | 62.8%-22.8pp | 69.4%-29.4pp | 68.1%-28.1pp |
| Annual return | 6.04% | 40.24%-34.2pp | 31.07%-25.0pp | 53.51%-47.5pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,706 | $3,138-45.6% | $4,092-58.3% | $4,126-58.7% |
| Admin fee / account holder | $2,988 | $5,504-45.7% | $7,578-60.6% | $7,339-59.3% |