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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 | $21,846 | $37,446-41.7% | $77,552-71.8% | $79,856-72.6% |
| Participation rate | 23.6% | 41.5%-17.9pp | 54.2%-30.6pp | 69.6%-46.0pp |
| Annual return | 10.03% | 39.76%-29.7pp | 54.82%-44.8pp | 31.71%-21.7pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,599 | $1,261+26.8% | $1,861-14.1% | $3,741-57.3% |
| Admin fee / account holder | $4,525 | $2,506+80.6% | $2,859+58.3% | $5,306-14.7% |