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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 | $59,267 | $54,541+8.7% | $78,778-24.8% | $70,126-15.5% |
| Participation rate | 38.8% | 60.8%-22.0pp | 69.2%-30.4pp | 69.5%-30.8pp |
| Annual return | 15.05% | 21.07%-6.0pp | 35.62%-20.6pp | 73.15%-58.1pp |
| Employer contribution / active EE | $58 | $1,089-94.7% | $1,986-97.1% | $2,343-97.5% |
| Participant deferral / active EE | $1,932 | $2,210-12.6% | $2,958-34.7% | $3,332-42.0% |
| Admin fee / account holder | $2,383 | $3,709-35.7% | $5,134-53.6% | $4,645-48.7% |