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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 | $54,947 | $81,457-32.5% | $103,378-46.8% | $80,911-32.1% |
| Participation rate | 42.4% | 66.8%-24.5pp | 74.5%-32.2pp | 67.6%-25.3pp |
| Annual return | 14.42% | 25.58%-11.2pp | 24.91%-10.5pp | 35.63%-21.2pp |
| Employer contribution / active EE | $742 | $3,107-76.1% | $3,870-80.8% | $2,756-73.1% |
| Participant deferral / active EE | $3,277 | $3,871-15.3% | $5,058-35.2% | $4,297-23.7% |
| Admin fee / account holder | $3,398 | $6,717-49.4% | $8,401-59.6% | $6,935-51.0% |