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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 | $43,384 | $101,798-57.4% | $165,071-73.7% | $80,935-46.4% |
| Participation rate | 69.8% | 71.8%-2.0pp | 78.6%-8.8pp | 67.7%+2.2pp |
| Annual return | 13.40% | 16.73%-3.3pp | 70.17%-56.8pp | 35.66%-22.3pp |
| Employer contribution / active EE | $38 | $2,954-98.7% | $4,347-99.1% | $2,757-98.6% |
| Participant deferral / active EE | $2,212 | $4,476-50.6% | $6,035-63.3% | $4,299-48.5% |
| Admin fee / account holder | $4,631 | $8,221-43.7% | $12,695-63.5% | $6,924-33.1% |