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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 | $40,706 | $81,504-50.1% | $102,437-60.3% | $80,959-49.7% |
| Participation rate | 48.7% | 66.9%-18.1pp | 74.5%-25.8pp | 67.7%-18.9pp |
| Annual return | 10.84% | 25.60%-14.8pp | 24.95%-14.1pp | 35.67%-24.8pp |
| Employer contribution / active EE | $298 | $3,104-90.4% | $3,871-92.3% | $2,757-89.2% |
| Participant deferral / active EE | $3,282 | $3,871-15.2% | $5,060-35.1% | $4,300-23.7% |
| Admin fee / account holder | $670 | $6,719-90.0% | $8,388-92.0% | $6,925-90.3% |