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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 | $42,942 | $73,787-41.8% | $98,716-56.5% | $82,448-47.9% |
| Participation rate | 68.1% | 61.4%+6.7pp | 69.3%-1.2pp | 68.1%0pp |
| Annual return | 16.36% | 18.57%-2.2pp | 31.81%-15.4pp | 41.64%-25.3pp |
| Employer contribution / active EE | $173 | $1,511-88.5% | $2,279-92.4% | $2,551-93.2% |
| Participant deferral / active EE | $2,020 | $3,081-34.4% | $4,048-50.1% | $4,139-51.2% |
| Admin fee / account holder | $5,188 | $6,500-20.2% | $8,703-40.4% | $7,234-28.3% |