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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 | $71,706 | $64,176+11.7% | $112,263-36.1% | $66,949+7.1% |
| Participation rate | 29.5% | 68.4%-39.0pp | 75.1%-45.6pp | 69.8%-40.4pp |
| Annual return | -19.37% | -13.80%-5.6pp | 27.49%-46.9pp | 1.57%-20.9pp |
| Employer contribution / active EE | $594 | $3,007-80.2% | $3,636-83.7% | $2,545-76.7% |
| Participant deferral / active EE | $2,077 | $3,694-43.8% | $4,729-56.1% | $4,239-51.0% |
| Admin fee / account holder | $9,466 | $626+1412.5% | $6,410+47.7% | $594+1494.7% |