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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 | $198,721 | $58,828+237.8% | $78,002+154.8% | $62,881+216.0% |
| Participation rate | 48.0% | 71.1%-23.1pp | 75.5%-27.5pp | 69.3%-21.3pp |
| Annual return | -0.81% | 17.16%-18.0pp | 425.99%-426.8pp | 20.14%-20.9pp |
| Employer contribution / active EE | $0 | $1,672-100.0% | $2,470-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,814 | $2,686-32.4% | $3,497-48.1% | $3,203-43.4% |
| Admin fee / account holder | $4,212 | $4,393-4.1% | $5,481-23.1% | $4,296-1.9% |