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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 | $89,224 | $83,485+6.9% | $125,192-28.7% | $72,975+22.3% |
| Participation rate | 59.2% | 73.3%-14.1pp | 79.8%-20.6pp | 69.5%-10.3pp |
| Annual return | 23.14% | 25.77%-2.6pp | 43.79%-20.6pp | 81.01%-57.9pp |
| Employer contribution / active EE | $394 | $2,346-83.2% | $3,866-89.8% | $2,440-83.9% |
| Participant deferral / active EE | $2,112 | $3,586-41.1% | $4,937-57.2% | $3,608-41.5% |
| Admin fee / account holder | $3,234 | $5,518-41.4% | $9,704-66.7% | $5,124-36.9% |