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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 | $141,477 | $81,870+72.8% | $119,622+18.3% | $68,486+106.6% |
| Participation rate | 31.3% | 71.9%-40.6pp | 79.3%-48.0pp | 67.9%-36.6pp |
| Annual return | -24.01% | -23.82%-0.2pp | -14.98%-9.0pp | -7.85%-16.2pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,362 | $4,148-19.0% | $5,601-40.0% | $4,028-16.5% |
| Admin fee / account holder | $13,772 | $6,583+109.2% | $10,328+33.3% | $5,404+154.9% |