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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 | $31,892 | $81,233-60.7% | $155,567-79.5% | $80,874-60.6% |
| Participation rate | 35.9% | 66.2%-30.3pp | 78.2%-42.3pp | 67.6%-31.7pp |
| Annual return | 12.84% | 33.33%-20.5pp | 64.74%-51.9pp | 35.62%-22.8pp |
| Employer contribution / active EE | $294 | $3,101-90.5% | $4,674-93.7% | $2,756-89.3% |
| Participant deferral / active EE | $3,264 | $3,452-5.5% | $5,628-42.0% | $4,297-24.0% |
| Admin fee / account holder | $1,288 | $7,998-83.9% | $15,916-91.9% | $6,935-81.4% |