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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 | $28,668 | $25,014+14.6% | $69,632-58.8% | $80,959-64.6% |
| Participation rate | 20.6% | 64.2%-43.6pp | 66.4%-45.8pp | 67.7%-47.1pp |
| Annual return | 9.82% | 19.08%-9.3pp | 101.32%-91.5pp | 35.67%-25.8pp |
| Employer contribution / active EE | $0 | $991-100.0% | $1,708-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,229 | $1,840-33.2% | $2,889-57.5% | $4,300-71.4% |
| Admin fee / account holder | $686 | $2,491-72.5% | $4,695-85.4% | $6,925-90.1% |