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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 | $42,649 | $114,712-62.8% | $173,730-75.5% | $87,485-51.3% |
| Participation rate | 53.8% | 73.0%-19.1pp | 79.6%-25.7pp | 68.9%-15.1pp |
| Annual return | 13.44% | 20.18%-6.7pp | 19.96%-6.5pp | 26.06%-12.6pp |
| Employer contribution / active EE | $282 | $2,904-90.3% | $4,577-93.8% | $2,596-89.1% |
| Participant deferral / active EE | $2,592 | $4,642-44.2% | $6,326-59.0% | $4,274-39.3% |
| Admin fee / account holder | $1,646 | $10,210-83.9% | $17,523-90.6% | $7,775-78.8% |