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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 | $20,822 | $70,666-70.5% | $169,385-87.7% | $75,181-72.3% |
| Participation rate | 46.2% | 64.8%-18.6pp | 77.2%-31.0pp | 67.2%-21.0pp |
| Annual return | 9.00% | 36.37%-27.4pp | 405.82%-396.8pp | 160.69%-151.7pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $4,012-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,587 | $4,308-16.7% | $6,221-42.3% | $4,126-13.1% |
| Admin fee / account holder | $2,977 | $5,402-44.9% | $9,011-67.0% | $5,650-47.3% |