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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 | $26,970 | $69,977-61.5% | $108,582-75.2% | $62,881-57.1% |
| Participation rate | 37.3% | 72.9%-35.6pp | 79.6%-42.3pp | 69.3%-32.0pp |
| Annual return | 19.82% | 10.73%+9.1pp | -51.70%+71.5pp | 20.14%-0.3pp |
| Employer contribution / active EE | $0 | $2,135-100.0% | $3,758-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,585 | $3,165+13.3% | $4,311-16.8% | $3,203+11.9% |
| Admin fee / account holder | $336 | $5,076-93.4% | $7,645-95.6% | $4,296-92.2% |