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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 | $88,425 | $132,820-33.4% | $278,538-68.3% | $132,820-33.4% |
| Participation rate | 61.8% | 74.3%-12.4pp | 83.2%-21.4pp | 74.3%-12.4pp |
| Annual return | 11.80% | 14.82%-3.0pp | -6.42%+18.2pp | 14.82%-3.0pp |
| Employer contribution / active EE | $296 | $4,144-92.9% | $8,620-96.6% | $4,144-92.9% |
| Participant deferral / active EE | $2,258 | $3,980-43.3% | $5,790-61.0% | $3,980-43.3% |
| Admin fee / account holder | $8,311 | $11,722-29.1% | $12,986-36.0% | $11,722-29.1% |