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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 | $149,410 | $86,949+71.8% | $102,460+45.8% | $80,959+84.6% |
| Participation rate | 32.3% | 72.4%-40.1pp | 76.5%-44.3pp | 67.7%-35.4pp |
| Annual return | 15.06% | 18.89%-3.8pp | 29.47%-14.4pp | 35.67%-20.6pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,029 | $4,121-2.2% | $5,056-20.3% | $4,300-6.3% |
| Admin fee / account holder | $11,214 | $8,048+39.3% | $9,460+18.5% | $6,925+61.9% |