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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 | $96,191 | $25,979+270.3% | $71,778+34.0% | $68,490+40.4% |
| Participation rate | 23.4% | 54.5%-31.1pp | 62.3%-38.9pp | 67.9%-44.5pp |
| Annual return | -21.78% | -15.10%-6.7pp | 9.15%-30.9pp | -7.85%-13.9pp |
| Employer contribution / active EE | $0 | $900-100.0% | $1,704-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,074 | $1,522-29.4% | $2,656-59.6% | $4,028-73.3% |
| Admin fee / account holder | $9,336 | $2,022+361.8% | $3,974+134.9% | $5,403+72.8% |