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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 | $54,058 | $101,795-46.9% | $165,100-67.3% | $80,959-33.2% |
| Participation rate | 52.2% | 71.8%-19.7pp | 78.6%-26.4pp | 67.7%-15.5pp |
| Annual return | 13.07% | 16.73%-3.7pp | 70.21%-57.1pp | 35.67%-22.6pp |
| Employer contribution / active EE | $431 | $2,954-85.4% | $4,348-90.1% | $2,757-84.4% |
| Participant deferral / active EE | $2,398 | $4,476-46.4% | $6,035-60.3% | $4,300-44.2% |
| Admin fee / account holder | $584 | $8,221-92.9% | $12,696-95.4% | $6,925-91.6% |