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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 | $71,043 | $77,908-8.8% | $149,696-52.5% | $75,173-5.5% |
| Participation rate | 55.2% | 65.6%-10.4pp | 78.8%-23.6pp | 67.2%-12.0pp |
| Annual return | 20.97% | 31.73%-10.8pp | 134.46%-113.5pp | 160.72%-139.8pp |
| Employer contribution / active EE | $234 | $3,138-92.5% | $4,821-95.1% | $2,671-91.2% |
| Participant deferral / active EE | $2,148 | $3,411-37.0% | $5,682-62.2% | $4,126-47.9% |
| Admin fee / account holder | $10,941 | $5,950+83.9% | $13,212-17.2% | $5,651+93.6% |