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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 | $87,642 | $86,949+0.8% | $102,460-14.5% | $80,959+8.3% |
| Participation rate | 47.1% | 72.4%-25.3pp | 76.5%-29.5pp | 67.7%-20.6pp |
| Annual return | 17.54% | 18.89%-1.4pp | 29.47%-11.9pp | 35.67%-18.1pp |
| Employer contribution / active EE | $421 | $2,370-82.2% | $3,025-86.1% | $2,757-84.7% |
| Participant deferral / active EE | $3,419 | $4,121-17.0% | $5,056-32.4% | $4,300-20.5% |
| Admin fee / account holder | $5,658 | $8,048-29.7% | $9,460-40.2% | $6,925-18.3% |