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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 | $49,232 | $83,485-41.0% | $125,192-60.7% | $72,975-32.5% |
| Participation rate | 61.5% | 73.3%-11.8pp | 79.8%-18.2pp | 69.5%-8.0pp |
| Annual return | 21.46% | 25.77%-4.3pp | 43.79%-22.3pp | 81.01%-59.6pp |
| Employer contribution / active EE | $221 | $2,346-90.6% | $3,866-94.3% | $2,440-90.9% |
| Participant deferral / active EE | $2,940 | $3,586-18.0% | $4,937-40.5% | $3,608-18.5% |
| Admin fee / account holder | $6,606 | $5,518+19.7% | $9,704-31.9% | $5,124+28.9% |