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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 | $51,106 | $78,690-35.1% | $161,489-68.4% | $87,485-41.6% |
| Participation rate | 33.8% | 67.5%-33.7pp | 78.7%-44.9pp | 68.9%-35.2pp |
| Annual return | 34.79% | 32.74%+2.0pp | 89.72%-54.9pp | 26.06%+8.7pp |
| Employer contribution / active EE | $323 | $2,588-87.5% | $4,268-92.4% | $2,596-87.6% |
| Participant deferral / active EE | $1,979 | $3,311-40.2% | $5,630-64.8% | $4,274-53.7% |
| Admin fee / account holder | $567 | $6,724-91.6% | $16,006-96.5% | $7,775-92.7% |