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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 | $104,178 | $76,367+36.4% | $93,614+11.3% | $72,983+42.7% |
| Participation rate | 47.8% | 71.7%-23.9pp | 75.8%-28.0pp | 69.5%-21.7pp |
| Annual return | 22.62% | 25.82%-3.2pp | 32.76%-10.1pp | 81.01%-58.4pp |
| Employer contribution / active EE | $259 | $2,275-88.6% | $2,718-90.5% | $2,440-89.4% |
| Participant deferral / active EE | $2,241 | $3,538-36.7% | $4,069-44.9% | $3,608-37.9% |
| Admin fee / account holder | $2,927 | $6,838-57.2% | $7,889-62.9% | $5,124-42.9% |