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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 | $59,458 | $55,902+6.4% | $76,030-21.8% | $80,959-26.6% |
| Participation rate | 52.7% | 62.1%-9.3pp | 69.1%-16.3pp | 67.7%-14.9pp |
| Annual return | 16.43% | 20.59%-4.2pp | 361.54%-345.1pp | 35.67%-19.2pp |
| Employer contribution / active EE | $232 | $1,867-87.6% | $2,688-91.4% | $2,757-91.6% |
| Participant deferral / active EE | $4,130 | $3,051+35.4% | $4,257-3.0% | $4,300-4.0% |
| Admin fee / account holder | $5,272 | $5,239+0.6% | $6,421-17.9% | $6,925-23.9% |