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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 | $39,884 | $71,230-44.0% | $93,727-57.4% | $80,959-50.7% |
| Participation rate | 48.6% | 60.4%-11.8pp | 68.7%-20.1pp | 67.7%-19.1pp |
| Annual return | 24.43% | 11.26%+13.2pp | 133.83%-109.4pp | 35.67%-11.2pp |
| Employer contribution / active EE | $329 | $1,565-79.0% | $2,421-86.4% | $2,757-88.1% |
| Participant deferral / active EE | $1,939 | $4,037-52.0% | $4,417-56.1% | $4,300-54.9% |
| Admin fee / account holder | $10,042 | $6,961+44.3% | $8,292+21.1% | $6,925+45.0% |