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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 | $38,315 | $47,944-20.1% | $67,834-43.5% | $62,881-39.1% |
| Participation rate | 41.2% | 61.1%-19.9pp | 68.8%-27.6pp | 69.3%-28.1pp |
| Annual return | 8.18% | 11.77%-3.6pp | 138.47%-130.3pp | 20.14%-12.0pp |
| Employer contribution / active EE | $172 | $1,562-89.0% | $2,403-92.8% | $2,281-92.5% |
| Participant deferral / active EE | $912 | $2,247-59.4% | $3,160-71.1% | $3,203-71.5% |
| Admin fee / account holder | $389 | $3,712-89.5% | $4,622-91.6% | $4,296-90.9% |