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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 | $69,001 | $76,551-9.9% | $123,894-44.3% | $62,881+9.7% |
| Participation rate | 47.4% | 73.0%-25.6pp | 81.4%-34.0pp | 69.3%-21.9pp |
| Annual return | -2.14% | 18.68%-20.8pp | 47.52%-49.7pp | 20.14%-22.3pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $6,128 | $4,840+26.6% | $5,984+2.4% | $3,203+91.3% |
| Admin fee / account holder | $2,110 | $4,826-56.3% | $8,357-74.8% | $4,296-50.9% |