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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 | $17,719 | $52,678-66.4% | $75,784-76.6% | $59,633-70.3% |
| Participation rate | 30.9% | 67.2%-36.3pp | 75.8%-44.9pp | 68.7%-37.8pp |
| Annual return | -4.53% | 2.95%-7.5pp | 9.68%-14.2pp | 2041.40%-2045.9pp |
| Employer contribution / active EE | $262 | $2,193-88.1% | $3,323-92.1% | $2,203-88.1% |
| Participant deferral / active EE | $1,409 | $2,591-45.6% | $3,652-61.4% | $3,192-55.8% |
| Admin fee / account holder | $1,593 | $3,610-55.9% | $5,300-69.9% | $4,297-62.9% |