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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 | $41,902 | $172,111-75.7% | $150,298-72.1% | $137,256-69.5% |
| Participation rate | 31.6% | 81.7%-50.1pp | 77.8%-46.2pp | 80.0%-48.4pp |
| Annual return | 19.78% | 69.37%-49.6pp | 62.79%-43.0pp | 220.34%-200.6pp |
| Employer contribution / active EE | $403 | $4,636-91.3% | $4,154-90.3% | $4,156-90.3% |
| Participant deferral / active EE | $2,637 | $6,166-57.2% | $5,453-51.6% | $6,407-58.8% |
| Admin fee / account holder | $1,078 | $16,471-93.5% | $14,116-92.4% | $12,270-91.2% |