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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 | $70,443 | $104,098-32.3% | $140,514-49.9% | $94,015-25.1% |
| Participation rate | 62.5% | 73.7%-11.2pp | 77.8%-15.3pp | 70.8%-8.3pp |
| Annual return | 16.97% | 15.14%+1.8pp | 14.36%+2.6pp | 17.84%-0.9pp |
| Employer contribution / active EE | $529 | $2,388-77.9% | $3,378-84.3% | $2,790-81.0% |
| Participant deferral / active EE | $2,351 | $4,033-41.7% | $4,919-52.2% | $4,249-44.7% |
| Admin fee / account holder | $1,165 | $10,439-88.8% | $13,697-91.5% | $8,951-87.0% |