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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 | $14,116 | $78,690-82.1% | $161,489-91.3% | $87,485-83.9% |
| Participation rate | 63.8% | 67.5%-3.7pp | 78.7%-14.9pp | 68.9%-5.1pp |
| Annual return | 7.31% | 32.74%-25.4pp | 89.72%-82.4pp | 26.06%-18.8pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,284 | $3,311-31.0% | $5,630-59.4% | $4,274-46.5% |
| Admin fee / account holder | $637 | $6,724-90.5% | $16,006-96.0% | $7,775-91.8% |