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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 | $81,358-60.8% | $155,556-79.5% | $80,959-60.6% |
| Participation rate | 35.9% | 66.3%-30.4pp | 78.2%-42.3pp | 67.7%-31.8pp |
| Annual return | 12.84% | 33.39%-20.5pp | 64.84%-52.0pp | 35.67%-22.8pp |
| Employer contribution / active EE | $294 | $3,106-90.5% | $4,675-93.7% | $2,757-89.3% |
| Participant deferral / active EE | $3,264 | $3,455-5.5% | $5,631-42.0% | $4,300-24.1% |
| Admin fee / account holder | $1,288 | $7,994-83.9% | $15,885-91.9% | $6,925-81.4% |