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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 | $33,277 | $67,602-50.8% | $82,312-59.6% | $70,126-52.5% |
| Participation rate | 47.2% | 72.8%-25.6pp | 76.9%-29.7pp | 69.5%-22.3pp |
| Annual return | 16.54% | 21.57%-5.0pp | 25.88%-9.3pp | 73.15%-56.6pp |
| Employer contribution / active EE | $352 | $1,755-79.9% | $2,428-85.5% | $2,343-85.0% |
| Participant deferral / active EE | $1,422 | $2,987-52.4% | $3,706-61.6% | $3,332-57.3% |
| Admin fee / account holder | $506 | $4,512-88.8% | $5,608-91.0% | $4,645-89.1% |