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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 | $62,210 | $72,177-13.8% | $115,038-45.9% | $59,633+4.3% |
| Participation rate | 65.2% | 72.6%-7.4pp | 81.4%-16.2pp | 68.7%-3.5pp |
| Annual return | -4.00% | 12.02%-16.0pp | 26.14%-30.1pp | 2041.45%-2045.5pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $8,250 | $4,783+72.5% | $6,026+36.9% | $3,192+158.5% |
| Admin fee / account holder | $1,575 | $4,927-68.0% | $8,175-80.7% | $4,297-63.3% |