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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 | $55,271 | $138,393-60.1% | $184,256-70.0% | $80,959-31.7% |
| Participation rate | 47.5% | 83.9%-36.4pp | 86.8%-39.3pp | 67.7%-20.2pp |
| Annual return | 16.01% | 20.01%-4.0pp | 28.85%-12.8pp | 35.67%-19.7pp |
| Employer contribution / active EE | $723 | $4,847-85.1% | $6,427-88.7% | $2,757-73.8% |
| Participant deferral / active EE | $3,926 | $7,076-44.5% | $9,133-57.0% | $4,300-8.7% |
| Admin fee / account holder | $2,855 | $10,489-72.8% | $13,899-79.5% | $6,925-58.8% |