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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 | $74,967 | $65,395+14.6% | $182,540-58.9% | $72,975+2.7% |
| Participation rate | 61.5% | 65.4%-3.9pp | 78.0%-16.4pp | 69.5%-8.0pp |
| Annual return | 19.55% | 27.68%-8.1pp | 148.58%-129.0pp | 81.01%-61.5pp |
| Employer contribution / active EE | $247 | $1,911-87.1% | $4,076-94.0% | $2,440-89.9% |
| Participant deferral / active EE | $2,777 | $3,563-22.1% | $5,525-49.7% | $3,608-23.0% |
| Admin fee / account holder | $1,003 | $4,245-76.4% | $8,593-88.3% | $5,124-80.4% |