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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 | $20,133 | $56,544-64.4% | $75,501-73.3% | $70,126-71.3% |
| Participation rate | 47.6% | 68.1%-20.5pp | 72.4%-24.7pp | 69.5%-21.9pp |
| Annual return | 11.11% | 23.59%-12.5pp | 27.35%-16.2pp | 73.15%-62.0pp |
| Employer contribution / active EE | $264 | $1,817-85.5% | $2,352-88.8% | $2,343-88.7% |
| Participant deferral / active EE | $1,555 | $2,580-39.7% | $3,142-50.5% | $3,332-53.3% |
| Admin fee / account holder | $993 | $3,827-74.0% | $5,801-82.9% | $4,645-78.6% |