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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 | $43,099 | $88,042-51.0% | $138,135-68.8% | $79,852-46.0% |
| Participation rate | 59.1% | 71.4%-12.3pp | 78.7%-19.6pp | 69.6%-10.5pp |
| Annual return | 13.07% | 20.58%-7.5pp | 20.51%-7.4pp | 31.72%-18.6pp |
| Employer contribution / active EE | $641 | $3,103-79.3% | $5,587-88.5% | $2,471-74.0% |
| Participant deferral / active EE | $2,709 | $4,704-42.4% | $6,431-57.9% | $3,740-27.6% |
| Admin fee / account holder | $742 | $7,791-90.5% | $11,856-93.7% | $5,306-86.0% |