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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 | $33,846 | $81,457-58.4% | $103,378-67.3% | $80,911-58.2% |
| Participation rate | 29.4% | 66.8%-37.4pp | 74.5%-45.1pp | 67.6%-38.2pp |
| Annual return | 12.84% | 25.58%-12.7pp | 24.91%-12.1pp | 35.63%-22.8pp |
| Employer contribution / active EE | $582 | $3,107-81.3% | $3,870-85.0% | $2,756-78.9% |
| Participant deferral / active EE | $1,855 | $3,871-52.1% | $5,058-63.3% | $4,297-56.8% |
| Admin fee / account holder | $1,216 | $6,717-81.9% | $8,401-85.5% | $6,935-82.5% |