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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 | $135,182 | $63,949+111.4% | $129,031+4.8% | $94,015+43.8% |
| Participation rate | 47.8% | 63.4%-15.7pp | 73.4%-25.6pp | 70.8%-23.1pp |
| Annual return | 14.76% | 17.56%-2.8pp | 34.67%-19.9pp | 17.84%-3.1pp |
| Employer contribution / active EE | $0 | $1,865-100.0% | $3,226-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $4,754 | $3,686+29.0% | $5,217-8.9% | $4,249+11.9% |
| Admin fee / account holder | $3,318 | $5,523-39.9% | $13,208-74.9% | $8,951-62.9% |