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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 | $122,245 | $73,787+65.7% | $98,716+23.8% | $82,448+48.3% |
| Participation rate | 66.7% | 61.4%+5.3pp | 69.3%-2.6pp | 68.1%-1.4pp |
| Annual return | 13.23% | 18.57%-5.3pp | 31.81%-18.6pp | 41.64%-28.4pp |
| Employer contribution / active EE | $98 | $1,511-93.5% | $2,279-95.7% | $2,551-96.2% |
| Participant deferral / active EE | $2,735 | $3,081-11.2% | $4,048-32.4% | $4,139-33.9% |
| Admin fee / account holder | $11,405 | $6,500+75.5% | $8,703+31.1% | $7,234+57.7% |