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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 | $135,612 | $78,027+73.8% | $178,528-24.0% | $80,925+67.6% |
| Participation rate | 53.8% | 65.7%-11.8pp | 77.1%-23.3pp | 67.7%-13.8pp |
| Annual return | 12.71% | 18.09%-5.4pp | 27.11%-14.4pp | 35.65%-22.9pp |
| Employer contribution / active EE | $444 | $2,281-80.5% | $3,950-88.8% | $2,756-83.9% |
| Participant deferral / active EE | $2,444 | $4,408-44.5% | $6,278-61.1% | $4,299-43.1% |
| Admin fee / account holder | $5,417 | $7,168-24.4% | $10,419-48.0% | $6,940-22.0% |