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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 | $70,544 | $97,550-27.7% | $120,344-41.4% | $87,485-19.4% |
| Participation rate | 66.7% | 72.8%-6.2pp | 76.7%-10.0pp | 68.9%-2.3pp |
| Annual return | 17.24% | 18.41%-1.2pp | 20.30%-3.1pp | 26.06%-8.8pp |
| Employer contribution / active EE | $485 | $2,291-78.8% | $3,020-84.0% | $2,596-81.3% |
| Participant deferral / active EE | $3,074 | $4,230-27.3% | $5,135-40.1% | $4,274-28.1% |
| Admin fee / account holder | $1,514 | $9,543-84.1% | $12,742-88.1% | $7,775-80.5% |