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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 | $63,221 | $86,050-26.5% | $189,758-66.7% | $94,015-32.8% |
| Participation rate | 15.6% | 68.9%-53.3pp | 79.8%-64.2pp | 70.8%-55.3pp |
| Annual return | 12.04% | 17.77%-5.7pp | 52.62%-40.6pp | 17.84%-5.8pp |
| Employer contribution / active EE | $328 | $2,819-88.4% | $4,767-93.1% | $2,790-88.2% |
| Participant deferral / active EE | $1,199 | $3,349-64.2% | $5,856-79.5% | $4,249-71.8% |
| Admin fee / account holder | $448 | $6,627-93.2% | $20,388-97.8% | $8,951-95.0% |