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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 | $87,077 | $81,446+6.9% | $103,374-15.8% | $80,874+7.7% |
| Participation rate | 52.2% | 66.9%-14.7pp | 74.5%-22.3pp | 67.6%-15.5pp |
| Annual return | 14.72% | 25.57%-10.9pp | 24.89%-10.2pp | 35.62%-20.9pp |
| Employer contribution / active EE | $761 | $3,107-75.5% | $3,869-80.3% | $2,756-72.4% |
| Participant deferral / active EE | $5,021 | $3,870+29.7% | $5,058-0.7% | $4,297+16.9% |
| Admin fee / account holder | $2,358 | $6,715-64.9% | $8,394-71.9% | $6,935-66.0% |