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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 | $89,449 | $71,872+24.5% | $86,691+3.2% | $68,495+30.6% |
| Participation rate | 49.0% | 72.2%-23.2pp | 76.6%-27.6pp | 67.9%-18.9pp |
| Annual return | -20.34% | 3.53%-23.9pp | 35.94%-56.3pp | -7.84%-12.5pp |
| Employer contribution / active EE | $284 | $2,173-86.9% | $2,837-90.0% | $2,596-89.0% |
| Participant deferral / active EE | $2,844 | $3,779-24.7% | $4,656-38.9% | $4,028-29.4% |
| Admin fee / account holder | $478 | $6,112-92.2% | $7,492-93.6% | $5,403-91.2% |