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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 | $84,113 | $80,781+4.1% | $102,437-17.9% | $74,478+12.9% |
| Participation rate | 18.6% | 65.7%-47.1pp | 74.5%-56.0pp | 67.2%-48.7pp |
| Annual return | 12.90% | 27.58%-14.7pp | 24.95%-12.1pp | 1370.56%-1357.7pp |
| Employer contribution / active EE | $642 | $3,160-79.7% | $3,871-83.4% | $2,626-75.6% |
| Participant deferral / active EE | $2,017 | $3,862-47.8% | $5,060-60.1% | $4,350-53.6% |
| Admin fee / account holder | $2,000 | $2,372-15.7% | $8,388-76.2% | $1,946+2.8% |