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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 | $39,408 | $86,940-54.7% | $102,434-61.5% | $80,935-51.3% |
| Participation rate | 56.4% | 72.4%-16.0pp | 76.5%-20.1pp | 67.7%-11.3pp |
| Annual return | 28.73% | 18.89%+9.8pp | 29.46%-0.7pp | 35.66%-6.9pp |
| Employer contribution / active EE | $1 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,676 | $4,121-35.1% | $5,055-47.1% | $4,299-37.8% |
| Admin fee / account holder | $3,002 | $8,047-62.7% | $9,462-68.3% | $6,924-56.7% |