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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 | $113,269 | $87,037+30.1% | $106,201+6.7% | $80,874+40.1% |
| Participation rate | 42.9% | 70.4%-27.6pp | 75.3%-32.4pp | 67.6%-24.8pp |
| Annual return | 13.68% | 17.05%-3.4pp | 116.26%-102.6pp | 35.62%-21.9pp |
| Employer contribution / active EE | $517 | $2,396-78.4% | $3,170-83.7% | $2,756-81.3% |
| Participant deferral / active EE | $3,471 | $3,986-12.9% | $5,012-30.8% | $4,297-19.2% |
| Admin fee / account holder | $5,167 | $8,434-38.7% | $11,039-53.2% | $6,935-25.5% |