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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 | $39,728 | $78,690-49.5% | $161,489-75.4% | $87,485-54.6% |
| Participation rate | 69.0% | 67.5%+1.5pp | 78.7%-9.7pp | 68.9%0pp |
| Annual return | 17.83% | 32.74%-14.9pp | 89.72%-71.9pp | 26.06%-8.2pp |
| Employer contribution / active EE | $336 | $2,588-87.0% | $4,268-92.1% | $2,596-87.1% |
| Participant deferral / active EE | $3,724 | $3,311+12.5% | $5,630-33.9% | $4,274-12.9% |
| Admin fee / account holder | $3,833 | $6,724-43.0% | $16,006-76.1% | $7,775-50.7% |