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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 | $36,844-35.9% | $83,854-71.8% | $65,306-63.9% |
| Participation rate | 6.3% | 29.2%-22.9pp | 59.1%-52.8pp | 57.7%-51.3pp |
| Annual return | 2.24% | 22.28%-20.0pp | 31.39%-29.2pp | 21.94%-19.7pp |
| Employer contribution / active EE | $0 | $415-100.0% | $1,017-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $470 | $1,040-54.8% | $2,035-76.9% | $2,959-84.1% |
| Admin fee / account holder | $2,604 | $2,546+2.3% | $3,197-18.5% | $3,480-25.2% |