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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 | $31,560 | $76,407-58.7% | $150,298-79.0% | $82,448-61.7% |
| Participation rate | 32.0% | 66.4%-34.4pp | 77.8%-45.8pp | 68.1%-36.1pp |
| Annual return | 17.56% | 39.99%-22.4pp | 62.79%-45.2pp | 41.64%-24.1pp |
| Employer contribution / active EE | $269 | $2,614-89.7% | $4,154-93.5% | $2,551-89.5% |
| Participant deferral / active EE | $1,188 | $3,214-63.0% | $5,453-78.2% | $4,139-71.3% |
| Admin fee / account holder | $683 | $6,352-89.3% | $14,116-95.2% | $7,234-90.6% |