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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 | $83,254 | $45,079+84.7% | $69,461+19.9% | $72,983+14.1% |
| Participation rate | 15.9% | 68.5%-52.6pp | 74.6%-58.7pp | 69.5%-53.5pp |
| Annual return | 7.83% | 22.65%-14.8pp | 28.97%-21.1pp | 81.01%-73.2pp |
| Employer contribution / active EE | $199 | $2,055-90.3% | $2,779-92.9% | $2,440-91.9% |
| Participant deferral / active EE | $1,407 | $2,603-45.9% | $3,536-60.2% | $3,608-61.0% |
| Admin fee / account holder | $1,259 | $3,056-58.8% | $3,840-67.2% | $5,124-75.4% |