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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 | $82,346 | $104,098-20.9% | $140,514-41.4% | $94,015-12.4% |
| Participation rate | 48.5% | 73.7%-25.2pp | 77.8%-29.3pp | 70.8%-22.3pp |
| Annual return | 13.38% | 15.14%-1.8pp | 14.36%-1.0pp | 17.84%-4.5pp |
| Employer contribution / active EE | $0 | $2,388-100.0% | $3,378-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,640 | $4,033-34.6% | $4,919-46.3% | $4,249-37.9% |
| Admin fee / account holder | $1,092 | $10,439-89.5% | $13,697-92.0% | $8,951-87.8% |