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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 | $21,757 | $77,901-72.1% | $149,717-85.5% | $75,181-71.1% |
| Participation rate | 44.3% | 65.6%-21.3pp | 78.8%-34.5pp | 67.2%-22.9pp |
| Annual return | 11.95% | 31.73%-19.8pp | 134.41%-122.5pp | 160.69%-148.7pp |
| Employer contribution / active EE | $0 | $3,137-100.0% | $4,820-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $962 | $3,411-71.8% | $5,682-83.1% | $4,126-76.7% |
| Admin fee / account holder | $945 | $5,949-84.1% | $13,213-92.9% | $5,650-83.3% |