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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 | $95,861 | $81,487+17.6% | $102,412-6.4% | $80,935+18.4% |
| Participation rate | 23.4% | 66.8%-43.4pp | 74.5%-51.1pp | 67.7%-44.3pp |
| Annual return | 13.42% | 25.60%-12.2pp | 24.94%-11.5pp | 35.66%-22.2pp |
| Employer contribution / active EE | $788 | $3,103-74.6% | $3,870-79.6% | $2,757-71.4% |
| Participant deferral / active EE | $1,833 | $3,871-52.6% | $5,060-63.8% | $4,299-57.4% |
| Admin fee / account holder | $7,590 | $6,717+13.0% | $8,388-9.5% | $6,924+9.6% |