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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 | $88,566 | $49,791+77.9% | $78,210+13.2% | $70,124+26.3% |
| Participation rate | 48.0% | 62.3%-14.3pp | 68.7%-20.7pp | 69.5%-21.5pp |
| Annual return | 15.16% | 20.75%-5.6pp | 40.90%-25.7pp | 73.14%-58.0pp |
| Employer contribution / active EE | $213 | $1,430-85.1% | $2,034-89.5% | $2,342-90.9% |
| Participant deferral / active EE | $1,732 | $2,150-19.5% | $2,823-38.7% | $3,332-48.0% |
| Admin fee / account holder | $922 | $3,181-71.0% | $3,758-75.5% | $4,645-80.2% |