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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 | $77,726 | $59,123+31.5% | $77,183+0.7% | $75,181+3.4% |
| Participation rate | 18.3% | 63.9%-45.5pp | 69.6%-51.2pp | 67.2%-48.9pp |
| Annual return | 18.06% | 26.72%-8.7pp | 37.89%-19.8pp | 160.69%-142.6pp |
| Employer contribution / active EE | $355 | $1,996-82.2% | $2,534-86.0% | $2,671-86.7% |
| Participant deferral / active EE | $1,671 | $2,999-44.3% | $3,833-56.4% | $4,126-59.5% |
| Admin fee / account holder | $3,926 | $4,776-17.8% | $5,475-28.3% | $5,650-30.5% |