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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 | $81,844 | $71,215+14.9% | $93,696-12.6% | $80,935+1.1% |
| Participation rate | 45.8% | 60.4%-14.6pp | 68.7%-23.0pp | 67.7%-21.9pp |
| Annual return | 14.99% | 11.27%+3.7pp | 133.74%-118.8pp | 35.66%-20.7pp |
| Employer contribution / active EE | $272 | $1,565-82.6% | $2,422-88.8% | $2,757-90.1% |
| Participant deferral / active EE | $1,435 | $4,037-64.5% | $4,417-67.5% | $4,299-66.6% |
| Admin fee / account holder | $4,055 | $6,958-41.7% | $8,287-51.1% | $6,924-41.4% |