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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 | $122,697 | $95,453+28.5% | $112,040+9.5% | $82,448+48.8% |
| Participation rate | 63.3% | 72.8%-9.4pp | 76.5%-13.2pp | 68.1%-4.7pp |
| Annual return | 17.40% | 23.92%-6.5pp | 24.52%-7.1pp | 41.64%-24.2pp |
| Employer contribution / active EE | $316 | $2,318-86.3% | $2,954-89.3% | $2,551-87.6% |
| Participant deferral / active EE | $2,899 | $4,224-31.4% | $5,098-43.1% | $4,139-30.0% |
| Admin fee / account holder | $337 | $9,013-96.3% | $12,098-97.2% | $7,234-95.3% |