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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 | $84,783 | $69,977+21.2% | $108,582-21.9% | $62,881+34.8% |
| Participation rate | 59.4% | 72.9%-13.5pp | 79.6%-20.2pp | 69.3%-9.9pp |
| Annual return | -1.94% | 10.73%-12.7pp | -51.70%+49.8pp | 20.14%-22.1pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,390 | $3,165+7.1% | $4,311-21.4% | $3,203+5.8% |
| Admin fee / account holder | $2,941 | $5,076-42.1% | $7,645-61.5% | $4,296-31.5% |