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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 | $114,928 | $72,486+58.6% | $87,103+31.9% | $72,976+57.5% |
| Participation rate | 63.5% | 72.8%-9.3pp | 76.9%-13.4pp | 69.5%-6.0pp |
| Annual return | 23.35% | 24.46%-1.1pp | 28.19%-4.8pp | 81.02%-57.7pp |
| Employer contribution / active EE | $191 | $1,894-89.9% | $2,521-92.4% | $2,440-92.2% |
| Participant deferral / active EE | $2,351 | $3,270-28.1% | $4,049-41.9% | $3,608-34.8% |
| Admin fee / account holder | $823 | $5,055-83.7% | $7,491-89.0% | $5,124-83.9% |