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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 | $92,932 | $69,977+32.8% | $108,582-14.4% | $62,881+47.8% |
| Participation rate | 23.5% | 72.9%-49.4pp | 79.6%-56.0pp | 69.3%-45.8pp |
| Annual return | 2.60% | 10.73%-8.1pp | -51.70%+54.3pp | 20.14%-17.5pp |
| Employer contribution / active EE | $234 | $2,135-89.0% | $3,758-93.8% | $2,281-89.7% |
| Participant deferral / active EE | $1,551 | $3,165-51.0% | $4,311-64.0% | $3,203-51.6% |
| Admin fee / account holder | $2,453 | $5,076-51.7% | $7,645-67.9% | $4,296-42.9% |