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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 | $83,808 | $72,177+16.1% | $115,038-27.1% | $59,633+40.5% |
| Participation rate | 52.6% | 72.6%-19.9pp | 81.4%-28.7pp | 68.7%-16.0pp |
| Annual return | -2.68% | 12.02%-14.7pp | 26.14%-28.8pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $5,415 | $4,783+13.2% | $6,026-10.1% | $3,192+69.7% |
| Admin fee / account holder | $773 | $4,927-84.3% | $8,175-90.5% | $4,297-82.0% |