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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 | $25,298 | $77,638-67.4% | $156,551-83.8% | $62,881-59.8% |
| Participation rate | 29.3% | 71.2%-41.9pp | 84.0%-54.7pp | 69.3%-40.0pp |
| Annual return | 2.79% | 50.33%-47.5pp | 32.23%-29.4pp | 20.14%-17.4pp |
| Employer contribution / active EE | $271 | $3,444-92.1% | $5,501-95.1% | $2,281-88.1% |
| Participant deferral / active EE | $2,324 | $3,046-23.7% | $4,871-52.3% | $3,203-27.4% |
| Admin fee / account holder | $773 | $5,561-86.1% | $13,028-94.1% | $4,296-82.0% |