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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 | $19,862 | $49,249-59.7% | $70,476-71.8% | $79,852-75.1% |
| Participation rate | 39.1% | 69.2%-30.0pp | 75.1%-35.9pp | 69.6%-30.5pp |
| Annual return | 5.18% | 30.09%-24.9pp | 109.12%-103.9pp | 31.72%-26.5pp |
| Employer contribution / active EE | $222 | $2,100-89.4% | $2,738-91.9% | $2,471-91.0% |
| Participant deferral / active EE | $1,659 | $2,769-40.1% | $3,710-55.3% | $3,740-55.6% |
| Admin fee / account holder | $822 | $2,878-71.4% | $3,847-78.6% | $5,306-84.5% |