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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 | $18,310 | $86,050-78.7% | $189,758-90.4% | $94,015-80.5% |
| Participation rate | 32.1% | 68.9%-36.8pp | 79.8%-47.7pp | 70.8%-38.7pp |
| Annual return | 20.83% | 17.77%+3.1pp | 52.62%-31.8pp | 17.84%+3.0pp |
| Employer contribution / active EE | $0 | $2,819-100.0% | $4,767-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,051 | $3,349-38.8% | $5,856-65.0% | $4,249-51.7% |
| Admin fee / account holder | $974 | $6,627-85.3% | $20,388-95.2% | $8,951-89.1% |