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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 | $125,928 | $64,716+94.6% | $112,258+12.2% | $68,495+83.8% |
| Participation rate | 25.7% | 67.2%-41.4pp | 75.1%-49.3pp | 67.9%-42.2pp |
| Annual return | -22.63% | -11.40%-11.2pp | 27.47%-50.1pp | -7.84%-14.8pp |
| Employer contribution / active EE | $429 | $2,746-84.4% | $3,636-88.2% | $2,596-83.5% |
| Participant deferral / active EE | $1,851 | $3,565-48.1% | $4,728-60.8% | $4,028-54.0% |
| Admin fee / account holder | $5,607 | $5,232+7.2% | $6,411-12.5% | $5,403+3.8% |