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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 | $17,581 | $25,014-29.7% | $69,611-74.7% | $80,925-78.3% |
| Participation rate | 32.3% | 64.2%-32.0pp | 66.4%-34.2pp | 67.7%-35.4pp |
| Annual return | 9.79% | 19.08%-9.3pp | 101.14%-91.4pp | 35.65%-25.9pp |
| Employer contribution / active EE | $0 | $991-100.0% | $1,709-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,959 | $1,840+6.5% | $2,891-32.2% | $4,299-54.4% |
| Admin fee / account holder | $528 | $2,491-78.8% | $4,696-88.7% | $6,940-92.4% |