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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 | $28,247 | $45,082-37.3% | $69,464-59.3% | $72,975-61.3% |
| Participation rate | 19.2% | 68.5%-49.3pp | 74.6%-55.4pp | 69.5%-50.3pp |
| Annual return | 20.17% | 22.66%-2.5pp | 28.98%-8.8pp | 81.01%-60.8pp |
| Employer contribution / active EE | $234 | $2,055-88.6% | $2,779-91.6% | $2,440-90.4% |
| Participant deferral / active EE | $952 | $2,604-63.4% | $3,536-73.1% | $3,608-73.6% |
| Admin fee / account holder | $6,107 | $3,057+99.8% | $3,840+59.0% | $5,124+19.2% |