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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 | $132,951 | $105,861+25.6% | $90,756+46.5% | $134,509-1.2% |
| Participation rate | 34.8% | 78.2%-43.5pp | 75.7%-40.9pp | 81.2%-46.4pp |
| Annual return | -27.20% | -10.99%-16.2pp | -12.16%-15.0pp | 418.13%-445.3pp |
| Employer contribution / active EE | $186 | $3,463-94.6% | $2,922-93.6% | $4,741-96.1% |
| Participant deferral / active EE | $1,499 | $5,217-71.3% | $4,565-67.2% | $6,400-76.6% |
| Admin fee / account holder | $2,965 | $13,938-78.7% | $8,445-64.9% | $11,427-74.1% |