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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 | $87,532 | $59,111+48.1% | $86,451+1.3% | $68,490+27.8% |
| Participation rate | 69.0% | 75.2%-6.3pp | 80.3%-11.4pp | 67.9%+1.1pp |
| Annual return | -19.34% | -0.22%-19.1pp | 4398.51%-4417.9pp | -7.85%-11.5pp |
| Employer contribution / active EE | $0 | $2,519-100.0% | $3,770-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $12,899 | $5,900+118.6% | $6,953+85.5% | $4,028+220.3% |
| Admin fee / account holder | $1,585 | $5,640-71.9% | $6,734-76.5% | $5,403-70.7% |