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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 | $44,309 | $65,367-32.2% | $92,915-52.3% | $72,976-39.3% |
| Participation rate | 68.5% | 68.3%+0.2pp | 76.0%-7.5pp | 69.5%-1.0pp |
| Annual return | 24.18% | 42.11%-17.9pp | 109.45%-85.3pp | 81.02%-56.8pp |
| Employer contribution / active EE | $539 | $2,594-79.2% | $3,653-85.2% | $2,440-77.9% |
| Participant deferral / active EE | $2,281 | $3,128-27.1% | $4,238-46.2% | $3,608-36.8% |
| Admin fee / account holder | $660 | $4,251-84.5% | $5,796-88.6% | $5,124-87.1% |