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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 | $80,858 | $57,140+41.5% | $85,240-5.1% | $80,959-0.1% |
| Participation rate | 27.0% | 56.4%-29.4pp | 67.5%-40.5pp | 67.7%-40.6pp |
| Annual return | 15.76% | 21.71%-6.0pp | 66.75%-51.0pp | 35.67%-19.9pp |
| Employer contribution / active EE | $138 | $1,802-92.3% | $2,735-94.9% | $2,757-95.0% |
| Participant deferral / active EE | $1,876 | $3,115-39.8% | $4,527-58.6% | $4,300-56.4% |
| Admin fee / account holder | $5,458 | $4,992+9.3% | $6,165-11.5% | $6,925-21.2% |