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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 | $38,536 | $88,672-56.5% | $105,223-63.4% | $82,448-53.3% |
| Participation rate | 49.4% | 67.9%-18.5pp | 75.0%-25.6pp | 68.1%-18.7pp |
| Annual return | 14.79% | 30.86%-16.1pp | 180.65%-165.9pp | 41.64%-26.8pp |
| Employer contribution / active EE | $789 | $3,048-74.1% | $3,689-78.6% | $2,551-69.1% |
| Participant deferral / active EE | $2,336 | $4,036-42.1% | $5,072-53.9% | $4,139-43.6% |
| Admin fee / account holder | $11,990 | $7,146+67.8% | $8,859+35.3% | $7,234+65.7% |