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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 | $41,594 | $81,358-48.9% | $155,556-73.3% | $80,959-48.6% |
| Participation rate | 45.9% | 66.3%-20.3pp | 78.2%-32.3pp | 67.7%-21.7pp |
| Annual return | 16.51% | 33.39%-16.9pp | 64.84%-48.3pp | 35.67%-19.2pp |
| Employer contribution / active EE | $253 | $3,106-91.8% | $4,675-94.6% | $2,757-90.8% |
| Participant deferral / active EE | $2,361 | $3,455-31.7% | $5,631-58.1% | $4,300-45.1% |
| Admin fee / account holder | $1,128 | $7,994-85.9% | $15,885-92.9% | $6,925-83.7% |