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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 | $115,268 | $101,752+13.3% | $164,928-30.1% | $80,911+42.5% |
| Participation rate | 55.6% | 71.8%-16.3pp | 78.6%-23.1pp | 67.6%-12.1pp |
| Annual return | 13.13% | 16.73%-3.6pp | 70.08%-56.9pp | 35.63%-22.5pp |
| Employer contribution / active EE | $354 | $2,953-88.0% | $4,343-91.8% | $2,756-87.1% |
| Participant deferral / active EE | $2,592 | $4,477-42.1% | $6,034-57.0% | $4,297-39.7% |
| Admin fee / account holder | $739 | $8,218-91.0% | $12,684-94.2% | $6,935-89.3% |