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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 | $48,596 | $76,367-36.4% | $93,614-48.1% | $72,983-33.4% |
| Participation rate | 46.4% | 71.7%-25.4pp | 75.8%-29.5pp | 69.5%-23.1pp |
| Annual return | 39.59% | 25.82%+13.8pp | 32.76%+6.8pp | 81.01%-41.4pp |
| Employer contribution / active EE | $106 | $2,275-95.3% | $2,718-96.1% | $2,440-95.6% |
| Participant deferral / active EE | $1,402 | $3,538-60.4% | $4,069-65.6% | $3,608-61.1% |
| Admin fee / account holder | $4,346 | $6,838-36.4% | $7,889-44.9% | $5,124-15.2% |