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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 | $181,643 | $95,453+90.3% | $112,040+62.1% | $82,448+120.3% |
| Participation rate | 62.1% | 72.8%-10.7pp | 76.5%-14.4pp | 68.1%-6.0pp |
| Annual return | 12.78% | 23.92%-11.1pp | 24.52%-11.7pp | 41.64%-28.9pp |
| Employer contribution / active EE | $522 | $2,318-77.5% | $2,954-82.3% | $2,551-79.5% |
| Participant deferral / active EE | $2,087 | $4,224-50.6% | $5,098-59.1% | $4,139-49.6% |
| Admin fee / account holder | $3,293 | $9,013-63.5% | $12,098-72.8% | $7,234-54.5% |