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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 | $96,233 | $86,949+10.7% | $102,460-6.1% | $80,959+18.9% |
| Participation rate | 41.6% | 72.4%-30.8pp | 76.5%-34.9pp | 67.7%-26.1pp |
| Annual return | 16.05% | 18.89%-2.8pp | 29.47%-13.4pp | 35.67%-19.6pp |
| Employer contribution / active EE | $285 | $2,370-88.0% | $3,025-90.6% | $2,757-89.7% |
| Participant deferral / active EE | $2,929 | $4,121-28.9% | $5,056-42.1% | $4,300-31.9% |
| Admin fee / account holder | $8,200 | $8,048+1.9% | $9,460-13.3% | $6,925+18.4% |