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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 | $117,390 | $64,716+81.4% | $112,258+4.6% | $68,495+71.4% |
| Participation rate | 36.2% | 67.2%-31.0pp | 75.1%-38.9pp | 67.9%-31.7pp |
| Annual return | -39.12% | -11.40%-27.7pp | 27.47%-66.6pp | -7.84%-31.3pp |
| Employer contribution / active EE | $403 | $2,746-85.3% | $3,636-88.9% | $2,596-84.5% |
| Participant deferral / active EE | $2,936 | $3,565-17.6% | $4,728-37.9% | $4,028-27.1% |
| Admin fee / account holder | $439 | $5,232-91.6% | $6,411-93.1% | $5,403-91.9% |