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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 | $18,760 | $63,082-70.3% | $81,716-77.0% | $79,852-76.5% |
| Participation rate | 39.5% | 67.5%-28.1pp | 72.0%-32.5pp | 69.6%-30.2pp |
| Annual return | 13.98% | 22.66%-8.7pp | 29.49%-15.5pp | 31.72%-17.7pp |
| Employer contribution / active EE | $268 | $1,795-85.1% | $4,310-93.8% | $2,471-89.2% |
| Participant deferral / active EE | $1,410 | $2,780-49.3% | $7,108-80.2% | $3,740-62.3% |
| Admin fee / account holder | $2,449 | $4,428-44.7% | $5,159-52.5% | $5,306-53.8% |