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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 | $23,261 | $81,487-71.5% | $102,412-77.3% | $80,935-71.3% |
| Participation rate | 51.4% | 66.8%-15.5pp | 74.5%-23.2pp | 67.7%-16.3pp |
| Annual return | 12.35% | 25.60%-13.2pp | 24.94%-12.6pp | 35.66%-23.3pp |
| Employer contribution / active EE | $545 | $3,103-82.4% | $3,870-85.9% | $2,757-80.2% |
| Participant deferral / active EE | $2,479 | $3,871-35.9% | $5,060-51.0% | $4,299-42.3% |
| Admin fee / account holder | $1,742 | $6,717-74.1% | $8,388-79.2% | $6,924-74.8% |