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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 | $46,882 | $81,487-42.5% | $102,412-54.2% | $80,935-42.1% |
| Participation rate | 43.3% | 66.8%-23.5pp | 74.5%-31.2pp | 67.7%-24.3pp |
| Annual return | 11.13% | 25.60%-14.5pp | 24.94%-13.8pp | 35.66%-24.5pp |
| Employer contribution / active EE | $44 | $3,103-98.6% | $3,870-98.9% | $2,757-98.4% |
| Participant deferral / active EE | $1,785 | $3,871-53.9% | $5,060-64.7% | $4,299-58.5% |
| Admin fee / account holder | $3,754 | $6,717-44.1% | $8,388-55.2% | $6,924-45.8% |