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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 | $18,370 | $31,388-41.5% | $73,550-75.0% | $62,293-70.5% |
| Participation rate | 37.7% | 39.9%-2.1pp | 54.9%-17.2pp | 69.5%-31.8pp |
| Annual return | 10.00% | 25.34%-15.3pp | -15.16%+25.2pp | 28.90%-18.9pp |
| Employer contribution / active EE | $0 | $498-100.0% | $1,219-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $966 | $1,028-6.1% | $1,804-46.5% | $3,169-69.5% |
| Admin fee / account holder | $1,998 | $299+567.5% | $2,320-13.9% | $479+316.9% |