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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 | $64,231 | $64,716-0.7% | $112,258-42.8% | $68,495-6.2% |
| Participation rate | 29.6% | 67.2%-37.5pp | 75.1%-45.4pp | 67.9%-38.3pp |
| Annual return | -16.51% | -11.40%-5.1pp | 27.47%-44.0pp | -7.84%-8.7pp |
| Employer contribution / active EE | $554 | $2,746-79.8% | $3,636-84.8% | $2,596-78.7% |
| Participant deferral / active EE | $2,273 | $3,565-36.2% | $4,728-51.9% | $4,028-43.6% |
| Admin fee / account holder | $430 | $5,232-91.8% | $6,411-93.3% | $5,403-92.0% |