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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.)
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 | $85,115 | $72,492+17.4% | $87,104-2.3% | $72,975+16.6% |
| Participation rate | 63.5% | 72.8%-9.3pp | 76.9%-13.4pp | 69.5%-6.0pp |
| Annual return | 26.14% | 24.46%+1.7pp | 28.19%-2.1pp | 81.01%-54.9pp |
| Employer contribution / active EE | $261 | $1,894-86.2% | $2,521-89.7% | $2,440-89.3% |
| Participant deferral / active EE | $3,507 | $3,270+7.2% | $4,048-13.4% | $3,608-2.8% |
| Admin fee / account holder | $8,264 | $5,055+63.5% | $7,491+10.3% | $5,124+61.3% |