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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 | $29,346 | $45,343-35.3% | $150,298-80.5% | $67,986-56.8% |
| Participation rate | 31.8% | 51.9%-20.1pp | 77.8%-46.0pp | 57.2%-25.4pp |
| Annual return | 15.44% | 33.28%-17.8pp | 62.79%-47.3pp | 31.67%-16.2pp |
| Employer contribution / active EE | $182 | $1,462-87.5% | $4,154-95.6% | $2,019-91.0% |
| Participant deferral / active EE | $1,589 | $2,055-22.7% | $5,453-70.9% | $3,358-52.7% |
| Admin fee / account holder | $4,610 | $2,250+104.9% | $14,116-67.3% | $3,203+43.9% |