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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 | $29,145 | $46,877-37.8% | $122,354-76.2% | $70,126-58.4% |
| Participation rate | 64.6% | 58.2%+6.4pp | 71.6%-7.0pp | 69.5%-4.9pp |
| Annual return | 47.01% | 24.22%+22.8pp | 30.28%+16.7pp | 73.15%-26.1pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,853 | $2,167-14.5% | $3,287-43.6% | $3,332-44.4% |
| Admin fee / account holder | $1,323 | $3,324-60.2% | $5,479-75.9% | $4,645-71.5% |