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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 | $120,077 | $108,825+10.3% | $156,181-23.1% | $82,448+45.6% |
| Participation rate | 65.6% | 72.4%-6.7pp | 78.8%-13.2pp | 68.1%-2.4pp |
| Annual return | 19.35% | 20.59%-1.2pp | 64.87%-45.5pp | 41.64%-22.3pp |
| Employer contribution / active EE | $707 | $2,870-75.4% | $4,294-83.5% | $2,551-72.3% |
| Participant deferral / active EE | $6,607 | $4,577+44.4% | $6,132+7.7% | $4,139+59.6% |
| Admin fee / account holder | $6,540 | $9,341-30.0% | $14,586-55.2% | $7,234-9.6% |