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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 | $107,529 | $72,404+48.5% | $110,243-2.5% | $64,173+67.6% |
| Participation rate | 65.9% | 73.3%-7.5pp | 79.8%-14.0pp | 69.6%-3.7pp |
| Annual return | -8.74% | -6.29%-2.5pp | 314.76%-323.5pp | 7.63%-16.4pp |
| Employer contribution / active EE | $349 | $2,282-84.7% | $3,827-90.9% | $2,381-85.3% |
| Participant deferral / active EE | $3,454 | $3,469-0.4% | $4,672-26.1% | $3,470-0.5% |
| Admin fee / account holder | $5,324 | $5,664-6.0% | $8,548-37.7% | $4,887+8.9% |