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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 | $45,321 | $71,878-36.9% | $86,698-47.7% | $68,486-33.8% |
| Participation rate | 62.1% | 72.2%-10.2pp | 76.6%-14.5pp | 67.9%-5.8pp |
| Annual return | -16.97% | 3.53%-20.5pp | 35.95%-52.9pp | -7.85%-9.1pp |
| Employer contribution / active EE | $285 | $2,173-86.9% | $2,837-90.0% | $2,597-89.0% |
| Participant deferral / active EE | $2,516 | $3,779-33.4% | $4,656-46.0% | $4,028-37.5% |
| Admin fee / account holder | $33,178 | $6,113+442.8% | $7,493+342.8% | $5,404+514.0% |