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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 | $74,451 | $64,729+15.0% | $112,263-33.7% | $68,490+8.7% |
| Participation rate | 23.5% | 67.2%-43.6pp | 75.1%-51.5pp | 67.9%-44.4pp |
| Annual return | -20.82% | -11.40%-9.4pp | 27.49%-48.3pp | -7.85%-13.0pp |
| Employer contribution / active EE | $237 | $2,746-91.4% | $3,636-93.5% | $2,597-90.9% |
| Participant deferral / active EE | $1,590 | $3,566-55.4% | $4,729-66.4% | $4,028-60.5% |
| Admin fee / account holder | $7,492 | $5,222+43.5% | $6,410+16.9% | $5,403+38.7% |