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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 | $55,422 | $63,809-13.1% | $81,353-31.9% | $80,935-31.5% |
| Participation rate | 64.0% | 63.9%+0.1pp | 69.5%-5.5pp | 67.7%-3.7pp |
| Annual return | 21.54% | 16.37%+5.2pp | 24.82%-3.3pp | 35.66%-14.1pp |
| Employer contribution / active EE | $101 | $1,981-94.9% | $2,464-95.9% | $2,757-96.3% |
| Participant deferral / active EE | $2,848 | $3,093-7.9% | $3,885-26.7% | $4,299-33.8% |
| Admin fee / account holder | $5,529 | $5,686-2.8% | $5,766-4.1% | $6,924-20.2% |