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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 | $109,910 | $79,633+38.0% | $93,786+17.2% | $68,490+60.5% |
| Participation rate | 28.6% | 75.4%-46.8pp | 81.0%-52.4pp | 67.9%-39.3pp |
| Annual return | -19.77% | -0.10%-19.7pp | -11.32%-8.4pp | -7.85%-11.9pp |
| Employer contribution / active EE | $194 | $3,665-94.7% | $4,328-95.5% | $2,597-92.5% |
| Participant deferral / active EE | $1,942 | $5,158-62.3% | $6,100-68.2% | $4,028-51.8% |
| Admin fee / account holder | $8,383 | $6,871+22.0% | $7,184+16.7% | $5,403+55.1% |