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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 | $42,741 | $70,917-39.7% | $98,916-56.8% | $73,493-41.8% |
| Participation rate | 59.0% | 73.8%-14.8pp | 76.0%-17.0pp | 70.7%-11.6pp |
| Annual return | 15.88% | 34.18%-18.3pp | 196.45%-180.6pp | 28.51%-12.6pp |
| Employer contribution / active EE | $437 | $2,037-78.5% | $2,689-83.7% | $2,270-80.7% |
| Participant deferral / active EE | $2,441 | $3,501-30.3% | $4,245-42.5% | $3,740-34.7% |
| Admin fee / account holder | $2,018 | $535+277.4% | $6,642-69.6% | $513+293.4% |