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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 | $49,694 | $81,504-39.0% | $102,437-51.5% | $80,959-38.6% |
| Participation rate | 56.1% | 66.9%-10.8pp | 74.5%-18.4pp | 67.7%-11.6pp |
| Annual return | 14.13% | 25.60%-11.5pp | 24.95%-10.8pp | 35.67%-21.5pp |
| Employer contribution / active EE | $351 | $3,104-88.7% | $3,871-90.9% | $2,757-87.3% |
| Participant deferral / active EE | $4,384 | $3,871+13.3% | $5,060-13.4% | $4,300+2.0% |
| Admin fee / account holder | $2,460 | $6,719-63.4% | $8,388-70.7% | $6,925-64.5% |