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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 | $36,140-34.7% | $73,658-67.9% | $64,340-63.3% |
| Participation rate | 6.3% | 31.0%-24.7pp | 57.0%-50.7pp | 55.2%-48.9pp |
| Annual return | 2.24% | 21.48%-19.2pp | 29.72%-27.5pp | 24.14%-21.9pp |
| Employer contribution / active EE | $0 | $443-100.0% | $1,032-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $470 | $1,023-54.0% | $2,062-77.2% | $2,980-84.2% |
| Admin fee / account holder | $2,604 | $2,513+3.6% | $3,357-22.4% | $3,703-29.7% |