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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 | $36,303 | $72,272-49.8% | $101,264-64.2% | $79,858-54.5% |
| Participation rate | 50.0% | 68.5%-18.5pp | 75.8%-25.8pp | 69.6%-19.6pp |
| Annual return | 17.25% | 22.30%-5.0pp | 46.48%-29.2pp | 31.72%-14.5pp |
| Employer contribution / active EE | $399 | $2,692-85.2% | $3,660-89.1% | $2,471-83.9% |
| Participant deferral / active EE | $2,706 | $3,282-17.5% | $4,370-38.1% | $3,740-27.7% |
| Admin fee / account holder | $1,978 | $4,401-55.0% | $5,947-66.7% | $5,306-62.7% |