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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 | $47,335 | $71,197-33.5% | $93,669-49.5% | $80,925-41.5% |
| Participation rate | 42.2% | 60.4%-18.2pp | 68.7%-26.5pp | 67.7%-25.4pp |
| Annual return | 14.99% | 11.27%+3.7pp | 133.59%-118.6pp | 35.65%-20.7pp |
| Employer contribution / active EE | $126 | $1,565-91.9% | $2,424-94.8% | $2,756-95.4% |
| Participant deferral / active EE | $1,428 | $4,036-64.6% | $4,416-67.7% | $4,299-66.8% |
| Admin fee / account holder | $5,147 | $6,959-26.0% | $8,291-37.9% | $6,940-25.8% |