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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 | $26,601 | $64,462-58.7% | $81,482-67.4% | $80,911-67.1% |
| Participation rate | 47.1% | 63.9%-16.8pp | 69.5%-22.4pp | 67.6%-20.6pp |
| Annual return | 14.62% | 16.35%-1.7pp | 24.79%-10.2pp | 35.63%-21.0pp |
| Employer contribution / active EE | $331 | $1,979-83.3% | $2,463-86.6% | $2,756-88.0% |
| Participant deferral / active EE | $1,315 | $3,094-57.5% | $3,885-66.2% | $4,297-69.4% |
| Admin fee / account holder | $5,062 | $5,678-10.8% | $5,761-12.1% | $6,935-27.0% |