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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 | $42,908 | $81,504-47.4% | $102,437-58.1% | $80,959-47.0% |
| Participation rate | 64.0% | 66.9%-2.9pp | 74.5%-10.5pp | 67.7%-3.7pp |
| Annual return | 20.98% | 25.60%-4.6pp | 24.95%-4.0pp | 35.67%-14.7pp |
| Employer contribution / active EE | $767 | $3,104-75.3% | $3,871-80.2% | $2,757-72.2% |
| Participant deferral / active EE | $1,809 | $3,871-53.3% | $5,060-64.3% | $4,300-57.9% |
| Admin fee / account holder | $740 | $6,719-89.0% | $8,388-91.2% | $6,925-89.3% |