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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 | $40,222 | $85,515-53.0% | $112,040-64.1% | $67,986-40.8% |
| Participation rate | 42.0% | 68.2%-26.2pp | 76.5%-34.5pp | 57.2%-15.2pp |
| Annual return | 16.38% | 29.68%-13.3pp | 24.52%-8.1pp | 31.67%-15.3pp |
| Employer contribution / active EE | $424 | $2,191-80.6% | $2,954-85.6% | $2,019-79.0% |
| Participant deferral / active EE | $2,000 | $4,014-50.2% | $5,098-60.8% | $3,358-40.5% |
| Admin fee / account holder | $367 | $3,774-90.3% | $12,098-97.0% | $3,203-88.5% |