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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 | $52,284 | $71,197-26.6% | $93,669-44.2% | $80,925-35.4% |
| Participation rate | 43.8% | 60.4%-16.6pp | 68.7%-25.0pp | 67.7%-23.9pp |
| Annual return | 13.29% | 11.27%+2.0pp | 133.59%-120.3pp | 35.65%-22.4pp |
| Employer contribution / active EE | $220 | $1,565-85.9% | $2,424-90.9% | $2,756-92.0% |
| Participant deferral / active EE | $1,589 | $4,036-60.6% | $4,416-64.0% | $4,299-63.0% |
| Admin fee / account holder | $1,695 | $6,959-75.6% | $8,291-79.6% | $6,940-75.6% |