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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 | $31,547 | $70,435-55.2% | $96,575-67.3% | $85,856-63.3% |
| Participation rate | 41.5% | 61.8%-20.3pp | 69.8%-28.3pp | 69.3%-27.8pp |
| Annual return | 9.54% | 18.59%-9.0pp | 37.79%-28.2pp | 318.58%-309.0pp |
| Employer contribution / active EE | $12 | $1,413-99.1% | $2,357-99.5% | $2,565-99.5% |
| Participant deferral / active EE | $1,642 | $2,894-43.3% | $3,849-57.3% | $3,952-58.5% |
| Admin fee / account holder | $1,257 | $4,997-74.9% | $6,182-79.7% | $6,261-79.9% |