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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 | $50,199 | $86,050-41.7% | $189,758-73.5% | $94,015-46.6% |
| Participation rate | 40.6% | 68.9%-28.3pp | 79.8%-39.2pp | 70.8%-30.2pp |
| Annual return | 18.95% | 17.77%+1.2pp | 52.62%-33.7pp | 17.84%+1.1pp |
| Employer contribution / active EE | $418 | $2,819-85.2% | $4,767-91.2% | $2,790-85.0% |
| Participant deferral / active EE | $3,041 | $3,349-9.2% | $5,856-48.1% | $4,249-28.4% |
| Admin fee / account holder | $512 | $6,627-92.3% | $20,388-97.5% | $8,951-94.3% |