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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 | $72,721 | $81,504-10.8% | $102,437-29.0% | $80,959-10.2% |
| Participation rate | 35.1% | 66.9%-31.8pp | 74.5%-39.4pp | 67.7%-32.6pp |
| Annual return | 14.80% | 25.60%-10.8pp | 24.95%-10.2pp | 35.67%-20.9pp |
| Employer contribution / active EE | $345 | $3,104-88.9% | $3,871-91.1% | $2,757-87.5% |
| Participant deferral / active EE | $2,837 | $3,871-26.7% | $5,060-43.9% | $4,300-34.0% |
| Admin fee / account holder | $1,005 | $6,719-85.0% | $8,388-88.0% | $6,925-85.5% |