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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 | $47,242 | $81,487-42.0% | $102,412-53.9% | $80,935-41.6% |
| Participation rate | 39.4% | 66.8%-27.4pp | 74.5%-35.1pp | 67.7%-28.3pp |
| Annual return | 11.74% | 25.60%-13.9pp | 24.94%-13.2pp | 35.66%-23.9pp |
| Employer contribution / active EE | $615 | $3,103-80.2% | $3,870-84.1% | $2,757-77.7% |
| Participant deferral / active EE | $2,502 | $3,871-35.3% | $5,060-50.5% | $4,299-41.8% |
| Admin fee / account holder | $7,037 | $6,717+4.8% | $8,388-16.1% | $6,924+1.6% |