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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 | $98,781 | $65,041+51.9% | $90,965+8.6% | $79,858+23.7% |
| Participation rate | 63.0% | 61.6%+1.4pp | 69.0%-6.0pp | 69.6%-6.7pp |
| Annual return | 23.14% | 30.45%-7.3pp | 134.57%-111.4pp | 31.72%-8.6pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,829 | $2,512+12.6% | $3,373-16.1% | $3,740-24.4% |
| Admin fee / account holder | $8,178 | $4,536+80.3% | $5,960+37.2% | $5,306+54.1% |