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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 | $79,738 | $104,098-23.4% | $140,514-43.3% | $94,015-15.2% |
| Participation rate | 53.8% | 73.7%-19.9pp | 77.8%-24.0pp | 70.8%-17.0pp |
| Annual return | 14.92% | 15.14%-0.2pp | 14.36%+0.6pp | 17.84%-2.9pp |
| Employer contribution / active EE | $359 | $2,388-85.0% | $3,378-89.4% | $2,790-87.1% |
| Participant deferral / active EE | $2,152 | $4,033-46.6% | $4,919-56.3% | $4,249-49.4% |
| Admin fee / account holder | $606 | $10,439-94.2% | $13,697-95.6% | $8,951-93.2% |