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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 | $146,082 | $81,504+79.2% | $102,437+42.6% | $80,959+80.4% |
| Participation rate | 54.8% | 66.9%-12.1pp | 74.5%-19.7pp | 67.7%-12.9pp |
| Annual return | 12.59% | 25.60%-13.0pp | 24.95%-12.4pp | 35.67%-23.1pp |
| Employer contribution / active EE | $142 | $3,104-95.4% | $3,871-96.3% | $2,757-94.9% |
| Participant deferral / active EE | $2,837 | $3,871-26.7% | $5,060-43.9% | $4,300-34.0% |
| Admin fee / account holder | $5,275 | $6,719-21.5% | $8,388-37.1% | $6,925-23.8% |