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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 | $54,496 | $101,795-46.5% | $165,100-67.0% | $80,959-32.7% |
| Participation rate | 63.6% | 71.8%-8.2pp | 78.6%-15.0pp | 67.7%-4.0pp |
| Annual return | 22.85% | 16.73%+6.1pp | 70.21%-47.4pp | 35.67%-12.8pp |
| Employer contribution / active EE | $496 | $2,954-83.2% | $4,348-88.6% | $2,757-82.0% |
| Participant deferral / active EE | $2,437 | $4,476-45.5% | $6,035-59.6% | $4,300-43.3% |
| Admin fee / account holder | $4,474 | $8,221-45.6% | $12,696-64.8% | $6,925-35.4% |