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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 | $46,711 | $86,938-46.3% | $102,423-54.4% | $80,925-42.3% |
| Participation rate | 39.3% | 72.4%-33.1pp | 76.5%-37.2pp | 67.7%-28.4pp |
| Annual return | 11.94% | 18.89%-6.9pp | 29.42%-17.5pp | 35.65%-23.7pp |
| Employer contribution / active EE | $443 | $2,369-81.3% | $3,023-85.3% | $2,756-83.9% |
| Participant deferral / active EE | $2,301 | $4,120-44.2% | $5,054-54.5% | $4,299-46.5% |
| Admin fee / account holder | $3,108 | $8,053-61.4% | $9,455-67.1% | $6,940-55.2% |