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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 | $64,478 | $54,380+18.6% | $68,509-5.9% | $59,633+8.1% |
| Participation rate | 54.4% | 70.2%-15.8pp | 74.7%-20.3pp | 68.7%-14.3pp |
| Annual return | -4.32% | 2.83%-7.2pp | 8.27%-12.6pp | 2041.45%-2045.8pp |
| Employer contribution / active EE | $0 | $1,539-100.0% | $2,278-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,755 | $2,643+4.2% | $3,382-18.5% | $3,192-13.7% |
| Admin fee / account holder | $2,966 | $3,885-23.7% | $5,275-43.8% | $4,297-31.0% |