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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 | $109,607 | $101,778+7.7% | $164,975-33.6% | $80,925+35.4% |
| Participation rate | 54.5% | 71.8%-17.3pp | 78.6%-24.1pp | 67.7%-13.1pp |
| Annual return | 14.80% | 16.73%-1.9pp | 70.12%-55.3pp | 35.65%-20.9pp |
| Employer contribution / active EE | $535 | $2,954-81.9% | $4,343-87.7% | $2,756-80.6% |
| Participant deferral / active EE | $4,530 | $4,477+1.2% | $6,033-24.9% | $4,299+5.4% |
| Admin fee / account holder | $2,664 | $8,221-67.6% | $12,688-79.0% | $6,940-61.6% |