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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 | $39,277 | $86,938-54.8% | $102,423-61.7% | $80,925-51.5% |
| Participation rate | 66.7% | 72.4%-5.7pp | 76.5%-9.8pp | 67.7%-1.0pp |
| Annual return | 11.26% | 18.89%-7.6pp | 29.42%-18.2pp | 35.65%-24.4pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,141 | $4,120+73.3% | $5,054+41.3% | $4,299+66.1% |
| Admin fee / account holder | $2,013 | $8,053-75.0% | $9,455-78.7% | $6,940-71.0% |