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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 | $115,252 | $107,809+6.9% | $97,032+18.8% | $155,188-25.7% |
| Participation rate | 27.3% | 75.5%-48.2pp | 71.6%-44.3pp | 80.8%-53.5pp |
| Annual return | 17.16% | 38.06%-20.9pp | 35.38%-18.2pp | 148.84%-131.7pp |
| Employer contribution / active EE | $0 | $2,911-100.0% | $2,629-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $5,039 | $5,129-1.8% | $4,672+7.9% | $6,531-22.8% |
| Admin fee / account holder | $3,223 | $10,717-69.9% | $9,418-65.8% | $14,480-77.7% |