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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 | $13,080 | $51,642-74.7% | $129,384-89.9% | $80,935-83.8% |
| Participation rate | 16.0% | 56.9%-41.0pp | 69.6%-53.7pp | 67.7%-51.7pp |
| Annual return | 1.21% | 20.78%-19.6pp | 9461.77%-9460.6pp | 35.66%-34.4pp |
| Employer contribution / active EE | $277 | $1,583-82.5% | $4,153-93.3% | $2,757-89.9% |
| Participant deferral / active EE | $961 | $2,670-64.0% | $4,166-76.9% | $4,299-77.7% |
| Admin fee / account holder | $1,440 | $4,312-66.6% | $7,686-81.3% | $6,924-79.2% |