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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 | $38,671 | $88,672-56.4% | $105,223-63.2% | $82,448-53.1% |
| Participation rate | 29.6% | 67.9%-38.3pp | 75.0%-45.4pp | 68.1%-38.4pp |
| Annual return | 19.05% | 30.86%-11.8pp | 180.65%-161.6pp | 41.64%-22.6pp |
| Employer contribution / active EE | $516 | $3,048-83.1% | $3,689-86.0% | $2,551-79.8% |
| Participant deferral / active EE | $3,653 | $4,036-9.5% | $5,072-28.0% | $4,139-11.7% |
| Admin fee / account holder | $3,383 | $7,146-52.7% | $8,859-61.8% | $7,234-53.2% |