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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 | $20,531 | $77,901-73.6% | $149,717-86.3% | $75,181-72.7% |
| Participation rate | 37.0% | 65.6%-28.5pp | 78.8%-41.7pp | 67.2%-30.2pp |
| Annual return | 8.22% | 31.73%-23.5pp | 134.41%-126.2pp | 160.69%-152.5pp |
| Employer contribution / active EE | $164 | $3,137-94.8% | $4,820-96.6% | $2,671-93.9% |
| Participant deferral / active EE | $997 | $3,411-70.8% | $5,682-82.4% | $4,126-75.8% |
| Admin fee / account holder | $4,800 | $5,949-19.3% | $13,213-63.7% | $5,650-15.0% |