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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 | $30,846 | $93,345-67.0% | $119,126-74.1% | $87,485-64.7% |
| Participation rate | 51.4% | 68.7%-17.3pp | 75.8%-24.4pp | 68.9%-17.5pp |
| Annual return | 15.64% | 19.08%-3.4pp | 282.11%-266.5pp | 26.06%-10.4pp |
| Employer contribution / active EE | $461 | $3,172-85.5% | $4,034-88.6% | $2,596-82.2% |
| Participant deferral / active EE | $2,024 | $4,099-50.6% | $5,318-61.9% | $4,274-52.6% |
| Admin fee / account holder | $859 | $8,039-89.3% | $10,693-92.0% | $7,775-89.0% |