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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 | $42,082 | $72,492-41.9% | $87,104-51.7% | $72,975-42.3% |
| Participation rate | 69.8% | 72.8%-3.0pp | 76.9%-7.1pp | 69.5%+0.3pp |
| Annual return | 21.74% | 24.46%-2.7pp | 28.19%-6.4pp | 81.01%-59.3pp |
| Employer contribution / active EE | $285 | $1,894-85.0% | $2,521-88.7% | $2,440-88.3% |
| Participant deferral / active EE | $3,633 | $3,270+11.1% | $4,048-10.3% | $3,608+0.7% |
| Admin fee / account holder | $1,562 | $5,055-69.1% | $7,491-79.1% | $5,124-69.5% |