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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 | $20,138 | $75,541-73.3% | $152,093-86.8% | $82,637-75.6% |
| Participation rate | 17.6% | 66.5%-48.9pp | 77.8%-60.1pp | 68.1%-50.4pp |
| Annual return | 4.22% | 32.56%-28.3pp | 66.36%-62.1pp | 53.51%-49.3pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,648 | $3,206-48.6% | $5,451-69.8% | $4,126-60.1% |
| Admin fee / account holder | $3,044 | $6,405-52.5% | $14,497-79.0% | $7,339-58.5% |