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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 | $44,258 | $86,938-49.1% | $102,423-56.8% | $80,925-45.3% |
| Participation rate | 52.8% | 72.4%-19.6pp | 76.5%-23.7pp | 67.7%-14.9pp |
| Annual return | 14.62% | 18.89%-4.3pp | 29.42%-14.8pp | 35.65%-21.0pp |
| Employer contribution / active EE | $564 | $2,369-76.2% | $3,023-81.4% | $2,756-79.6% |
| Participant deferral / active EE | $2,016 | $4,120-51.1% | $5,054-60.1% | $4,299-53.1% |
| Admin fee / account holder | $1,214 | $8,053-84.9% | $9,455-87.2% | $6,940-82.5% |