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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 | $89,052 | $86,922+2.4% | $102,438-13.1% | $80,874+10.1% |
| Participation rate | 51.4% | 72.4%-21.0pp | 76.5%-25.1pp | 67.6%-16.3pp |
| Annual return | 10.82% | 18.90%-8.1pp | 29.37%-18.5pp | 35.62%-24.8pp |
| Employer contribution / active EE | $404 | $2,369-83.0% | $3,024-86.6% | $2,756-85.3% |
| Participant deferral / active EE | $4,185 | $4,119+1.6% | $5,054-17.2% | $4,297-2.6% |
| Admin fee / account holder | $1,724 | $8,050-78.6% | $9,448-81.8% | $6,935-75.1% |