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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 | $43,274 | $65,367-33.8% | $92,915-53.4% | $72,976-40.7% |
| Participation rate | 60.8% | 68.3%-7.5pp | 76.0%-15.2pp | 69.5%-8.7pp |
| Annual return | 26.44% | 42.11%-15.7pp | 109.45%-83.0pp | 81.02%-54.6pp |
| Employer contribution / active EE | $555 | $2,594-78.6% | $3,653-84.8% | $2,440-77.3% |
| Participant deferral / active EE | $2,298 | $3,128-26.5% | $4,238-45.8% | $3,608-36.3% |
| Admin fee / account holder | $573 | $4,251-86.5% | $5,796-90.1% | $5,124-88.8% |