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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 | $52,712 | $86,949-39.4% | $102,460-48.6% | $80,959-34.9% |
| Participation rate | 49.5% | 72.4%-22.9pp | 76.5%-27.1pp | 67.7%-18.2pp |
| Annual return | 61.69% | 18.89%+42.8pp | 29.47%+32.2pp | 35.67%+26.0pp |
| Employer contribution / active EE | $536 | $2,370-77.4% | $3,025-82.3% | $2,757-80.6% |
| Participant deferral / active EE | $2,395 | $4,121-41.9% | $5,056-52.6% | $4,300-44.3% |
| Admin fee / account holder | $1,126 | $8,048-86.0% | $9,460-88.1% | $6,925-83.7% |