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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 | $78,150 | $139,948-44.2% | $121,663-35.8% | $154,746-49.5% |
| Participation rate | 50.0% | 78.0%-28.0pp | 74.5%-24.5pp | 80.7%-30.7pp |
| Annual return | 15.80% | 230.52%-214.7pp | 147.54%-131.7pp | 172.34%-156.5pp |
| Employer contribution / active EE | $456 | $3,521-87.0% | $3,020-84.9% | $4,379-89.6% |
| Participant deferral / active EE | $4,562 | $5,629-18.9% | $4,887-6.6% | $6,730-32.2% |
| Admin fee / account holder | $21,071 | $17,321+21.7% | $14,289+47.5% | $14,365+46.7% |