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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 | $92,446 | $67,602+36.8% | $82,312+12.3% | $70,126+31.8% |
| Participation rate | 47.2% | 72.8%-25.6pp | 76.9%-29.7pp | 69.5%-22.4pp |
| Annual return | 15.99% | 21.57%-5.6pp | 25.88%-9.9pp | 73.15%-57.2pp |
| Employer contribution / active EE | $363 | $1,755-79.3% | $2,428-85.1% | $2,343-84.5% |
| Participant deferral / active EE | $2,598 | $2,987-13.0% | $3,706-29.9% | $3,332-22.0% |
| Admin fee / account holder | $4,633 | $4,512+2.7% | $5,608-17.4% | $4,645-0.3% |