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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 | $129,399 | $110,337+17.3% | $102,383+26.4% | $145,877-11.3% |
| Participation rate | 57.9% | 77.9%-20.0pp | 74.5%-16.6pp | 80.3%-22.4pp |
| Annual return | 12.17% | 24.83%-12.7pp | 24.94%-12.8pp | 551.28%-539.1pp |
| Employer contribution / active EE | $659 | $4,216-84.4% | $3,870-83.0% | $4,663-85.9% |
| Participant deferral / active EE | $3,064 | $5,621-45.5% | $5,060-39.4% | $6,691-54.2% |
| Admin fee / account holder | $1,318 | $9,750-86.5% | $8,391-84.3% | $13,402-90.2% |