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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 | $136,907 | $104,098+31.5% | $140,514-2.6% | $94,015+45.6% |
| Participation rate | 61.0% | 73.7%-12.7pp | 77.8%-16.8pp | 70.8%-9.8pp |
| Annual return | 16.17% | 15.14%+1.0pp | 14.36%+1.8pp | 17.84%-1.7pp |
| Employer contribution / active EE | $0 | $2,388-100.0% | $3,378-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $3,488 | $4,033-13.5% | $4,919-29.1% | $4,249-17.9% |
| Admin fee / account holder | $3,211 | $10,439-69.2% | $13,697-76.6% | $8,951-64.1% |