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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 | $30,734 | $57,140-46.2% | $85,240-63.9% | $80,959-62.0% |
| Participation rate | 25.6% | 56.4%-30.9pp | 67.5%-42.0pp | 67.7%-42.1pp |
| Annual return | 14.56% | 21.71%-7.2pp | 66.75%-52.2pp | 35.67%-21.1pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,107 | $3,115-64.4% | $4,527-75.5% | $4,300-74.2% |
| Admin fee / account holder | $3,304 | $4,992-33.8% | $6,165-46.4% | $6,925-52.3% |