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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 | $32,656 | $72,269-54.8% | $101,271-67.8% | $79,852-59.1% |
| Participation rate | 61.5% | 68.5%-6.9pp | 75.8%-14.3pp | 69.6%-8.1pp |
| Annual return | 14.75% | 22.29%-7.5pp | 46.48%-31.7pp | 31.72%-17.0pp |
| Employer contribution / active EE | $85 | $2,692-96.9% | $3,660-97.7% | $2,471-96.6% |
| Participant deferral / active EE | $2,441 | $3,282-25.6% | $4,371-44.2% | $3,740-34.7% |
| Admin fee / account holder | $3,011 | $4,401-31.6% | $5,948-49.4% | $5,306-43.2% |