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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 | $47,618 | $65,361-27.1% | $92,903-48.7% | $72,983-34.8% |
| Participation rate | 33.3% | 68.3%-35.0pp | 76.0%-42.7pp | 69.5%-36.2pp |
| Annual return | 19.77% | 42.11%-22.3pp | 109.43%-89.7pp | 81.01%-61.2pp |
| Employer contribution / active EE | $416 | $2,594-84.0% | $3,653-88.6% | $2,440-83.0% |
| Participant deferral / active EE | $4,155 | $3,128+32.8% | $4,238-1.9% | $3,608+15.2% |
| Admin fee / account holder | $4,576 | $4,251+7.7% | $5,795-21.0% | $5,124-10.7% |