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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 | $13,448 | $49,657-72.9% | $93,063-85.5% | $67,986-80.2% |
| Participation rate | 18.9% | 49.9%-31.0pp | 72.1%-53.2pp | 57.2%-38.3pp |
| Annual return | 12.93% | 26.27%-13.3pp | 34.15%-21.2pp | 31.67%-18.7pp |
| Employer contribution / active EE | $0 | $1,279-100.0% | $2,476-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $993 | $2,484-60.0% | $3,958-74.9% | $3,358-70.4% |
| Admin fee / account holder | $844 | $2,843-70.3% | $6,033-86.0% | $3,203-73.6% |