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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 | $44,263 | $81,262-45.5% | $155,602-71.6% | $80,911-45.3% |
| Participation rate | 48.0% | 66.2%-18.2pp | 78.2%-30.2pp | 67.6%-19.6pp |
| Annual return | 16.08% | 33.34%-17.3pp | 64.81%-48.7pp | 35.63%-19.5pp |
| Employer contribution / active EE | $356 | $3,102-88.5% | $4,675-92.4% | $2,756-87.1% |
| Participant deferral / active EE | $2,966 | $3,451-14.1% | $5,629-47.3% | $4,297-31.0% |
| Admin fee / account holder | $309 | $7,992-96.1% | $15,923-98.1% | $6,935-95.5% |