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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 | $118,609 | $124,425-4.7% | $112,040+5.9% | $137,256-13.6% |
| Participation rate | 63.6% | 79.3%-15.7pp | 76.5%-12.9pp | 80.0%-16.3pp |
| Annual return | 9.90% | 24.72%-14.8pp | 24.52%-14.6pp | 220.34%-210.4pp |
| Employer contribution / active EE | $376 | $3,411-89.0% | $2,954-87.3% | $4,156-91.0% |
| Participant deferral / active EE | $4,068 | $5,718-28.9% | $5,098-20.2% | $6,407-36.5% |
| Admin fee / account holder | $11,438 | $15,207-24.8% | $12,098-5.5% | $12,270-6.8% |