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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 | $117,840 | $64,716+82.1% | $112,258+5.0% | $68,495+72.0% |
| Participation rate | 45.2% | 67.2%-21.9pp | 75.1%-29.8pp | 67.9%-22.7pp |
| Annual return | -21.07% | -11.40%-9.7pp | 27.47%-48.5pp | -7.84%-13.2pp |
| Employer contribution / active EE | $597 | $2,746-78.3% | $3,636-83.6% | $2,596-77.0% |
| Participant deferral / active EE | $1,512 | $3,565-57.6% | $4,728-68.0% | $4,028-62.5% |
| Admin fee / account holder | $4,438 | $5,232-15.2% | $6,411-30.8% | $5,403-17.9% |