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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 | $51,297 | $81,262-36.9% | $155,602-67.0% | $80,911-36.6% |
| Participation rate | 31.3% | 66.2%-35.0pp | 78.2%-47.0pp | 67.6%-36.4pp |
| Annual return | 12.35% | 33.34%-21.0pp | 64.81%-52.5pp | 35.63%-23.3pp |
| Employer contribution / active EE | $0 | $3,102-100.0% | $4,675-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,322 | $3,451-32.7% | $5,629-58.7% | $4,297-46.0% |
| Admin fee / account holder | $775 | $7,992-90.3% | $15,923-95.1% | $6,935-88.8% |