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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 | $30,867 | $63,365-51.3% | $91,994-66.4% | $72,975-57.7% |
| Participation rate | 52.3% | 72.5%-20.2pp | 78.6%-26.3pp | 69.5%-17.2pp |
| Annual return | 25.18% | 35.35%-10.2pp | 69.04%-43.9pp | 81.01%-55.8pp |
| Employer contribution / active EE | $0 | $2,116-100.0% | $3,453-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,609 | $4,883-5.6% | $5,924-22.2% | $3,608+27.8% |
| Admin fee / account holder | $2,505 | $4,670-46.4% | $7,744-67.7% | $5,124-51.1% |