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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 | $106,653 | $77,816+37.1% | $123,552-13.7% | $64,173+66.2% |
| Participation rate | 35.7% | 74.7%-39.0pp | 82.3%-46.6pp | 69.6%-33.9pp |
| Annual return | -8.75% | 12.49%-21.2pp | 119.20%-128.0pp | 7.63%-16.4pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,299 | $5,240-56.1% | $6,426-64.2% | $3,470-33.7% |
| Admin fee / account holder | $4,933 | $5,519-10.6% | $9,285-46.9% | $4,887+0.9% |