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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 | $60,526 | $43,075+40.5% | $74,577-18.8% | $62,881-3.7% |
| Participation rate | 63.5% | 58.1%+5.4pp | 68.1%-4.6pp | 69.3%-5.8pp |
| Annual return | 8.38% | 17.50%-9.1pp | 20.47%-12.1pp | 20.14%-11.8pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,586 | $2,389+8.2% | $3,458-25.2% | $3,203-19.3% |
| Admin fee / account holder | $2,654 | $2,840-6.5% | $4,138-35.9% | $4,296-38.2% |