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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 | $166,813 | $199,109-16.2% | $173,730-4.0% | $154,746+7.8% |
| Participation rate | 66.7% | 82.8%-16.1pp | 79.6%-12.9pp | 80.7%-14.0pp |
| Annual return | 7.46% | 20.02%-12.6pp | 19.96%-12.5pp | 172.34%-164.9pp |
| Employer contribution / active EE | $887 | $5,311-83.3% | $4,577-80.6% | $4,379-79.8% |
| Participant deferral / active EE | $9,500 | $7,113+33.6% | $6,326+50.2% | $6,730+41.2% |
| Admin fee / account holder | $1,677 | $20,916-92.0% | $17,523-90.4% | $14,365-88.3% |