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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 | $42,968 | $56,287-23.7% | $80,977-46.9% | $62,881-31.7% |
| Participation rate | 56.8% | 68.9%-12.2pp | 75.8%-19.1pp | 69.3%-12.5pp |
| Annual return | 6.83% | 22.13%-15.3pp | 17.11%-10.3pp | 20.14%-13.3pp |
| Employer contribution / active EE | $46 | $1,943-97.6% | $3,715-98.8% | $2,281-98.0% |
| Participant deferral / active EE | $6,029 | $4,196+43.7% | $5,696+5.8% | $3,203+88.2% |
| Admin fee / account holder | $7,578 | $3,742+102.5% | $5,517+37.4% | $4,296+76.4% |