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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 | $90,278 | $83,485+8.1% | $125,195-27.9% | $72,976+23.7% |
| Participation rate | 64.7% | 73.3%-8.6pp | 79.8%-15.1pp | 69.5%-4.8pp |
| Annual return | 20.16% | 25.77%-5.6pp | 43.79%-23.6pp | 81.02%-60.9pp |
| Employer contribution / active EE | $437 | $2,346-81.4% | $3,866-88.7% | $2,440-82.1% |
| Participant deferral / active EE | $1,814 | $3,586-49.4% | $4,937-63.3% | $3,608-49.7% |
| Admin fee / account holder | $1,876 | $5,518-66.0% | $9,704-80.7% | $5,124-63.4% |