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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 | $90,388 | $73,863+22.4% | $143,797-37.1% | $68,490+32.0% |
| Participation rate | 36.6% | 66.7%-30.1pp | 80.3%-43.7pp | 67.9%-31.3pp |
| Annual return | -21.82% | 0.91%-22.7pp | -0.04%-21.8pp | -7.85%-14.0pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,523 | $3,385+33.6% | $5,638-19.8% | $4,028+12.3% |
| Admin fee / account holder | $4,151 | $5,756-27.9% | $14,679-71.7% | $5,403-23.2% |