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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 | $75,614 | $57,057+32.5% | $85,009-11.1% | $80,874-6.5% |
| Participation rate | 33.9% | 56.4%-22.4pp | 67.5%-33.6pp | 67.6%-33.7pp |
| Annual return | 12.91% | 21.66%-8.8pp | 66.47%-53.6pp | 35.62%-22.7pp |
| Employer contribution / active EE | $269 | $1,799-85.0% | $2,728-90.1% | $2,756-90.2% |
| Participant deferral / active EE | $2,111 | $3,112-32.2% | $4,522-53.3% | $4,297-50.9% |
| Admin fee / account holder | $11,647 | $4,986+133.6% | $6,153+89.3% | $6,935+67.9% |