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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 | $80,436 | $57,065+41.0% | $75,670+6.3% | $70,131+14.7% |
| Participation rate | 46.2% | 68.1%-21.9pp | 72.3%-26.2pp | 69.5%-23.4pp |
| Annual return | 16.55% | 23.57%-7.0pp | 27.34%-10.8pp | 73.14%-56.6pp |
| Employer contribution / active EE | $325 | $1,817-82.1% | $2,352-86.2% | $2,342-86.1% |
| Participant deferral / active EE | $1,465 | $2,580-43.2% | $3,142-53.4% | $3,332-56.0% |
| Admin fee / account holder | $11,680 | $3,825+205.4% | $5,800+101.4% | $4,645+151.4% |