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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 | $123,043 | $58,493+110.4% | $84,023+46.4% | $72,976+68.6% |
| Participation rate | 48.7% | 61.2%-12.5pp | 69.0%-20.3pp | 69.5%-20.8pp |
| Annual return | 17.48% | 28.93%-11.5pp | 71.32%-53.8pp | 81.02%-63.5pp |
| Employer contribution / active EE | $209 | $1,163-82.0% | $1,984-89.5% | $2,440-91.4% |
| Participant deferral / active EE | $1,506 | $2,394-37.1% | $3,239-53.5% | $3,608-58.3% |
| Admin fee / account holder | $1,908 | $4,569-58.2% | $6,102-68.7% | $5,124-62.8% |