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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 | $86,711 | $65,703+32.0% | $94,228-8.0% | $59,633+45.4% |
| Participation rate | 44.3% | 72.1%-27.9pp | 78.8%-34.5pp | 68.7%-24.4pp |
| Annual return | -3.30% | 5.22%-8.5pp | 10.68%-14.0pp | 2041.40%-2044.7pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,344 | $3,143-25.4% | $4,320-45.7% | $3,192-26.6% |
| Admin fee / account holder | $1,291 | $4,264-69.7% | $6,269-79.4% | $4,297-70.0% |