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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 | $37,913 | $57,828-34.4% | $117,039-67.6% | $70,126-45.9% |
| Participation rate | 14.3% | 67.1%-52.8pp | 77.2%-62.9pp | 69.5%-55.3pp |
| Annual return | 15.14% | 17.55%-2.4pp | 18.95%-3.8pp | 73.15%-58.0pp |
| Employer contribution / active EE | $376 | $1,816-79.3% | $3,785-90.1% | $2,343-84.0% |
| Participant deferral / active EE | $1,401 | $2,438-42.5% | $3,929-64.3% | $3,332-57.9% |
| Admin fee / account holder | $540 | $3,548-84.8% | $5,974-91.0% | $4,645-88.4% |