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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 | $9,604 | $37,446-74.4% | $77,552-87.6% | $79,856-88.0% |
| Participation rate | 23.5% | 41.5%-18.0pp | 54.2%-30.7pp | 69.6%-46.1pp |
| Annual return | 9.52% | 39.76%-30.2pp | 54.82%-45.3pp | 31.71%-22.2pp |
| Employer contribution / active EE | $0 | $637-100.0% | $987-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $476 | $1,261-62.3% | $1,861-74.4% | $3,741-87.3% |
| Admin fee / account holder | $1,545 | $2,506-38.4% | $2,859-46.0% | $5,306-70.9% |