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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 | $11,988 | $58,627-79.6% | $76,735-84.4% | $82,448-85.5% |
| Participation rate | 43.6% | 63.2%-19.6pp | 69.5%-25.9pp | 68.1%-24.5pp |
| Annual return | 9.01% | 39.10%-30.1pp | 29.77%-20.8pp | 41.64%-32.6pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,222 | $3,134-61.0% | $4,088-70.1% | $4,139-70.5% |
| Admin fee / account holder | $1,244 | $5,323-76.6% | $7,189-82.7% | $7,234-82.8% |