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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 | $16,658 | $59,839-72.2% | $81,988-79.7% | $79,858-79.1% |
| Participation rate | 58.2% | 61.6%-3.4pp | 69.3%-11.1pp | 69.6%-11.5pp |
| Annual return | 9.66% | 17.56%-7.9pp | 41.31%-31.7pp | 31.72%-22.1pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,309 | $2,695-51.4% | $3,722-64.8% | $3,740-65.0% |
| Admin fee / account holder | $1,128 | $4,287-73.7% | $5,665-80.1% | $5,306-78.7% |