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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 | $72,210 | $54,239+33.1% | $70,098+3.0% | $68,495+5.4% |
| Participation rate | 9.1% | 64.5%-55.4pp | 70.5%-61.4pp | 67.9%-58.8pp |
| Annual return | -19.52% | -13.87%-5.7pp | 190.76%-210.3pp | -7.84%-11.7pp |
| Employer contribution / active EE | $238 | $2,019-88.2% | $2,560-90.7% | $2,596-90.8% |
| Participant deferral / active EE | $1,558 | $2,957-47.3% | $3,849-59.5% | $4,028-61.3% |
| Admin fee / account holder | $3,467 | $4,691-26.1% | $6,266-44.7% | $5,403-35.8% |