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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 | $61,194 | $78,015-21.6% | $178,505-65.7% | $80,959-24.4% |
| Participation rate | 48.1% | 65.7%-17.6pp | 77.1%-29.0pp | 67.7%-19.6pp |
| Annual return | 12.22% | 18.10%-5.9pp | 27.16%-14.9pp | 35.67%-23.5pp |
| Employer contribution / active EE | $306 | $2,281-86.6% | $3,955-92.3% | $2,757-88.9% |
| Participant deferral / active EE | $4,180 | $4,406-5.1% | $6,280-33.4% | $4,300-2.8% |
| Admin fee / account holder | $1,560 | $7,160-78.2% | $10,428-85.0% | $6,925-77.5% |