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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 | $24,625 | $58,057-57.6% | $97,032-74.6% | $86,983-71.7% |
| Participation rate | 20.0% | 60.4%-40.4pp | 71.6%-51.6pp | 69.5%-49.5pp |
| Annual return | 10.68% | 22.26%-11.6pp | 35.38%-24.7pp | 25.83%-15.2pp |
| Employer contribution / active EE | $0 | $1,663-100.0% | $2,629-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,449 | $3,244-55.3% | $4,672-69.0% | $4,194-65.5% |
| Admin fee / account holder | $485 | $4,839-90.0% | $9,418-94.8% | $7,856-93.8% |