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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 | $167,983 | $81,504+106.1% | $102,437+64.0% | $80,959+107.5% |
| Participation rate | 67.6% | 66.9%+0.8pp | 74.5%-6.9pp | 67.7%0pp |
| Annual return | 9.91% | 25.60%-15.7pp | 24.95%-15.0pp | 35.67%-25.8pp |
| Employer contribution / active EE | $753 | $3,104-75.7% | $3,871-80.5% | $2,757-72.7% |
| Participant deferral / active EE | $7,942 | $3,871+105.2% | $5,060+57.0% | $4,300+84.7% |
| Admin fee / account holder | $6,578 | $6,719-2.1% | $8,388-21.6% | $6,925-5.0% |