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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 | $167,452 | $181,896-7.9% | $156,551+7.0% | $273,972-38.9% |
| Participation rate | 57.1% | 88.4%-31.2pp | 84.0%-26.9pp | 83.0%-25.9pp |
| Annual return | 1.75% | 30.74%-29.0pp | 32.23%-30.5pp | 41.46%-39.7pp |
| Employer contribution / active EE | $628 | $6,248-90.0% | $5,501-88.6% | $4,869-87.1% |
| Participant deferral / active EE | $3,436 | $5,550-38.1% | $4,871-29.5% | $5,287-35.0% |
| Admin fee / account holder | $389 | $15,560-97.5% | $13,028-97.0% | $10,133-96.2% |