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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 | $74,309 | $86,938-14.5% | $102,423-27.4% | $80,925-8.2% |
| Participation rate | 59.6% | 72.4%-12.7pp | 76.5%-16.9pp | 67.7%-8.0pp |
| Annual return | 18.40% | 18.89%-0.5pp | 29.42%-11.0pp | 35.65%-17.3pp |
| Employer contribution / active EE | $395 | $2,369-83.3% | $3,023-86.9% | $2,756-85.7% |
| Participant deferral / active EE | $2,709 | $4,120-34.3% | $5,054-46.4% | $4,299-37.0% |
| Admin fee / account holder | $16,904 | $8,053+109.9% | $9,455+78.8% | $6,940+143.6% |