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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 | $21,787 | $52,678-58.6% | $75,784-71.3% | $59,633-63.5% |
| Participation rate | 29.2% | 67.2%-38.1pp | 75.8%-46.7pp | 68.7%-39.5pp |
| Annual return | -5.02% | 2.95%-8.0pp | 9.68%-14.7pp | 2041.45%-2046.5pp |
| Employer contribution / active EE | $313 | $2,193-85.8% | $3,323-90.6% | $2,203-85.8% |
| Participant deferral / active EE | $1,026 | $2,591-60.4% | $3,652-71.9% | $3,192-67.8% |
| Admin fee / account holder | $1,034 | $3,610-71.3% | $5,300-80.5% | $4,297-75.9% |