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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 | $28,787 | $58,627-50.9% | $76,735-62.5% | $82,448-65.1% |
| Participation rate | 67.2% | 63.2%+4.0pp | 69.5%-2.3pp | 68.1%-0.9pp |
| Annual return | 14.65% | 39.10%-24.4pp | 29.77%-15.1pp | 41.64%-27.0pp |
| Employer contribution / active EE | $215 | $1,729-87.6% | $2,454-91.3% | $2,551-91.6% |
| Participant deferral / active EE | $2,692 | $3,134-14.1% | $4,088-34.1% | $4,139-35.0% |
| Admin fee / account holder | $547 | $5,323-89.7% | $7,189-92.4% | $7,234-92.4% |