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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 | $38,735 | $86,949-55.5% | $102,460-62.2% | $80,959-52.2% |
| Participation rate | 61.1% | 72.4%-11.3pp | 76.5%-15.4pp | 67.7%-6.6pp |
| Annual return | 15.24% | 18.89%-3.7pp | 29.47%-14.2pp | 35.67%-20.4pp |
| Employer contribution / active EE | $436 | $2,370-81.6% | $3,025-85.6% | $2,757-84.2% |
| Participant deferral / active EE | $6,434 | $4,121+56.1% | $5,056+27.3% | $4,300+49.6% |
| Admin fee / account holder | $982 | $8,048-87.8% | $9,460-89.6% | $6,925-85.8% |