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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 | $23,608 | $29,051-18.7% | $52,425-55.0% | $67,986-65.3% |
| Participation rate | 6.3% | 30.4%-24.1pp | 55.6%-49.3pp | 57.2%-50.9pp |
| Annual return | 2.24% | 24.00%-21.8pp | 302.12%-299.9pp | 31.67%-29.4pp |
| Employer contribution / active EE | $0 | $412-100.0% | $914-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $470 | $873-46.1% | $1,790-73.7% | $3,358-86.0% |
| Admin fee / account holder | $2,604 | $2,113+23.3% | $2,495+4.4% | $3,203-18.7% |