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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 | $37,287 | $91,559-59.3% | $133,978-72.2% | $79,856-53.3% |
| Participation rate | 55.7% | 73.3%-17.6pp | 79.8%-24.1pp | 69.6%-13.9pp |
| Annual return | 15.42% | 61.85%-46.4pp | 45.10%-29.7pp | 31.71%-16.3pp |
| Employer contribution / active EE | $361 | $2,384-84.9% | $3,919-90.8% | $2,471-85.4% |
| Participant deferral / active EE | $2,355 | $3,734-36.9% | $5,047-53.3% | $3,741-37.1% |
| Admin fee / account holder | $2,966 | $6,321-53.1% | $8,930-66.8% | $5,306-44.1% |