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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 | $43,296 | $81,504-46.9% | $102,437-57.7% | $80,959-46.5% |
| Participation rate | 52.0% | 66.9%-14.9pp | 74.5%-22.5pp | 67.7%-15.7pp |
| Annual return | 13.15% | 25.60%-12.5pp | 24.95%-11.8pp | 35.67%-22.5pp |
| Employer contribution / active EE | $531 | $3,104-82.9% | $3,871-86.3% | $2,757-80.7% |
| Participant deferral / active EE | $4,611 | $3,871+19.1% | $5,060-8.9% | $4,300+7.2% |
| Admin fee / account holder | $1,471 | $6,719-78.1% | $8,388-82.5% | $6,925-78.8% |