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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 | $101,459 | $86,655+17.1% | $119,622-15.2% | $66,938+51.6% |
| Participation rate | 29.4% | 75.6%-46.1pp | 79.3%-49.9pp | 69.8%-40.4pp |
| Annual return | -26.32% | -8.00%-18.3pp | -14.98%-11.3pp | 1.58%-27.9pp |
| Employer contribution / active EE | $0 | $2,536-100.0% | $4,232-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $4,331 | $4,358-0.6% | $5,601-22.7% | $4,238+2.2% |
| Admin fee / account holder | $2,179 | $755+188.8% | $10,328-78.9% | $594+267.2% |