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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 | $16,171 | $49,976-67.6% | $66,674-75.7% | $82,637-80.4% |
| Participation rate | 20.3% | 63.1%-42.8pp | 73.7%-53.4pp | 68.1%-47.7pp |
| Annual return | 12.61% | 39.09%-26.5pp | 321.24%-308.6pp | 53.51%-40.9pp |
| Employer contribution / active EE | $149 | $1,988-92.5% | $2,620-94.3% | $2,552-94.2% |
| Participant deferral / active EE | $583 | $2,847-79.5% | $4,084-85.7% | $4,126-85.9% |
| Admin fee / account holder | $1,713 | $4,594-62.7% | $5,098-66.4% | $7,339-76.7% |