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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 | $8,722 | $51,222-83.0% | $70,544-87.6% | $75,173-88.4% |
| Participation rate | 28.3% | 61.0%-32.6pp | 68.4%-40.0pp | 67.2%-38.9pp |
| Annual return | 6.12% | 30.06%-23.9pp | 32.79%-26.7pp | 160.72%-154.6pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $2,976-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,516 | $2,850-46.8% | $4,568-66.8% | $4,126-63.3% |
| Admin fee / account holder | $1,986 | $4,096-51.5% | $6,427-69.1% | $5,651-64.9% |