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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 | $15,191 | $78,690-80.7% | $161,489-90.6% | $87,485-82.6% |
| Participation rate | 30.0% | 67.5%-37.5pp | 78.7%-48.7pp | 68.9%-38.9pp |
| Annual return | 10.80% | 32.74%-21.9pp | 89.72%-78.9pp | 26.06%-15.3pp |
| Employer contribution / active EE | $331 | $2,588-87.2% | $4,268-92.2% | $2,596-87.2% |
| Participant deferral / active EE | $1,089 | $3,311-67.1% | $5,630-80.7% | $4,274-74.5% |
| Admin fee / account holder | $1,385 | $6,724-79.4% | $16,006-91.3% | $7,775-82.2% |