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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 | $139,433 | $86,919+60.4% | $102,457+36.1% | $80,911+72.3% |
| Participation rate | 20.0% | 72.4%-52.4pp | 76.5%-56.5pp | 67.6%-47.6pp |
| Annual return | 13.46% | 18.90%-5.4pp | 29.41%-15.9pp | 35.63%-22.2pp |
| Employer contribution / active EE | $535 | $2,368-77.4% | $3,022-82.3% | $2,756-80.6% |
| Participant deferral / active EE | $2,931 | $4,119-28.8% | $5,054-42.0% | $4,297-31.8% |
| Admin fee / account holder | $6,657 | $8,049-17.3% | $9,451-29.6% | $6,935-4.0% |