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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 | $44,851 | $86,919-48.4% | $102,457-56.2% | $80,911-44.6% |
| Participation rate | 48.4% | 72.4%-24.0pp | 76.5%-28.1pp | 67.6%-19.3pp |
| Annual return | 14.52% | 18.90%-4.4pp | 29.41%-14.9pp | 35.63%-21.1pp |
| Employer contribution / active EE | $444 | $2,368-81.2% | $3,022-85.3% | $2,756-83.9% |
| Participant deferral / active EE | $2,191 | $4,119-46.8% | $5,054-56.6% | $4,297-49.0% |
| Admin fee / account holder | $8,389 | $8,049+4.2% | $9,451-11.2% | $6,935+21.0% |