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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 | $83,945 | $72,486+15.8% | $87,103-3.6% | $72,976+15.0% |
| Participation rate | 42.3% | 72.8%-30.5pp | 76.9%-34.6pp | 69.5%-27.2pp |
| Annual return | 20.02% | 24.46%-4.4pp | 28.19%-8.2pp | 81.02%-61.0pp |
| Employer contribution / active EE | $281 | $1,894-85.2% | $2,521-88.9% | $2,440-88.5% |
| Participant deferral / active EE | $1,954 | $3,270-40.2% | $4,049-51.7% | $3,608-45.8% |
| Admin fee / account holder | $18,352 | $5,055+263.1% | $7,491+145.0% | $5,124+258.1% |