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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 | $76,751 | $71,215+7.8% | $93,696-18.1% | $80,935-5.2% |
| Participation rate | 48.0% | 60.4%-12.4pp | 68.7%-20.7pp | 67.7%-19.7pp |
| Annual return | 15.21% | 11.27%+3.9pp | 133.74%-118.5pp | 35.66%-20.5pp |
| Employer contribution / active EE | $168 | $1,565-89.3% | $2,422-93.1% | $2,757-93.9% |
| Participant deferral / active EE | $1,322 | $4,037-67.3% | $4,417-70.1% | $4,299-69.3% |
| Admin fee / account holder | $362 | $6,958-94.8% | $8,287-95.6% | $6,924-94.8% |