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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 | $45,923 | $71,230-35.5% | $93,727-51.0% | $80,959-43.3% |
| Participation rate | 62.3% | 60.4%+1.9pp | 68.7%-6.4pp | 67.7%-5.3pp |
| Annual return | 10.73% | 11.26%-0.5pp | 133.83%-123.1pp | 35.67%-24.9pp |
| Employer contribution / active EE | $248 | $1,565-84.2% | $2,421-89.8% | $2,757-91.0% |
| Participant deferral / active EE | $2,651 | $4,037-34.3% | $4,417-40.0% | $4,300-38.3% |
| Admin fee / account holder | $4,244 | $6,961-39.0% | $8,292-48.8% | $6,925-38.7% |