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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 | $33,217 | $72,027-53.9% | $185,835-82.1% | $79,852-58.4% |
| Participation rate | 55.4% | 65.8%-10.4pp | 78.0%-22.7pp | 69.6%-14.3pp |
| Annual return | 12.32% | 23.13%-10.8pp | 35.96%-23.6pp | 31.72%-19.4pp |
| Employer contribution / active EE | $349 | $1,965-82.2% | $4,087-91.5% | $2,471-85.9% |
| Participant deferral / active EE | $1,416 | $3,780-62.5% | $5,633-74.9% | $3,740-62.1% |
| Admin fee / account holder | $2,259 | $4,513-49.9% | $9,502-76.2% | $5,306-57.4% |