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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 | $93,181 | $181,896-48.8% | $156,551-40.5% | $273,972-66.0% |
| Participation rate | 33.3% | 88.4%-55.1pp | 84.0%-50.7pp | 83.0%-49.7pp |
| Annual return | 13.88% | 30.74%-16.9pp | 32.23%-18.3pp | 41.46%-27.6pp |
| Employer contribution / active EE | $531 | $6,248-91.5% | $5,501-90.4% | $4,869-89.1% |
| Participant deferral / active EE | $6,000 | $5,550+8.1% | $4,871+23.2% | $5,287+13.5% |
| Admin fee / account holder | $647 | $15,560-95.8% | $13,028-95.0% | $10,133-93.6% |