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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 | $43,996 | $56,339-21.9% | $104,301-57.8% | $68,486-35.8% |
| Participation rate | 66.0% | 63.3%+2.7pp | 73.3%-7.3pp | 67.9%-1.9pp |
| Annual return | 5.57% | -9.19%+14.8pp | 24.61%-19.0pp | -7.85%+13.4pp |
| Employer contribution / active EE | $487 | $1,960-75.2% | $3,373-85.6% | $2,597-81.3% |
| Participant deferral / active EE | $2,177 | $3,077-29.2% | $4,626-52.9% | $4,028-45.9% |
| Admin fee / account holder | $724 | $4,902-85.2% | $7,340-90.1% | $5,404-86.6% |