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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 | $160,460 | $95,404+68.2% | $113,397+41.5% | $82,637+94.2% |
| Participation rate | 53.6% | 72.8%-19.2pp | 76.5%-22.9pp | 68.1%-14.5pp |
| Annual return | 15.89% | 19.08%-3.2pp | 23.20%-7.3pp | 53.51%-37.6pp |
| Employer contribution / active EE | $313 | $2,307-86.4% | $2,977-89.5% | $2,552-87.7% |
| Participant deferral / active EE | $8,910 | $4,220+111.2% | $5,076+75.5% | $4,126+115.9% |
| Admin fee / account holder | $15,338 | $9,168+67.3% | $11,957+28.3% | $7,339+109.0% |