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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 | $82,576 | $86,949-5.0% | $102,460-19.4% | $80,959+2.0% |
| Participation rate | 50.8% | 72.4%-21.6pp | 76.5%-25.7pp | 67.7%-16.8pp |
| Annual return | 12.52% | 18.89%-6.4pp | 29.47%-17.0pp | 35.67%-23.1pp |
| Employer contribution / active EE | $446 | $2,370-81.2% | $3,025-85.2% | $2,757-83.8% |
| Participant deferral / active EE | $3,845 | $4,121-6.7% | $5,056-24.0% | $4,300-10.6% |
| Admin fee / account holder | $2,516 | $8,048-68.7% | $9,460-73.4% | $6,925-63.7% |