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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 | $39,371 | $64,729-39.2% | $112,263-64.9% | $68,490-42.5% |
| Participation rate | 62.5% | 67.2%-4.7pp | 75.1%-12.6pp | 67.9%-5.4pp |
| Annual return | -18.03% | -11.40%-6.6pp | 27.49%-45.5pp | -7.85%-10.2pp |
| Employer contribution / active EE | $642 | $2,746-76.6% | $3,636-82.3% | $2,597-75.3% |
| Participant deferral / active EE | $5,717 | $3,566+60.3% | $4,729+20.9% | $4,028+41.9% |
| Admin fee / account holder | $953 | $5,222-81.8% | $6,410-85.1% | $5,403-82.4% |