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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 | $30,178 | $84,236-64.2% | $170,435-82.3% | $70,126-57.0% |
| Participation rate | 44.4% | 70.8%-26.4pp | 83.6%-39.2pp | 69.5%-25.1pp |
| Annual return | 13.93% | 23.06%-9.1pp | 205.94%-192.0pp | 73.15%-59.2pp |
| Employer contribution / active EE | $156 | $3,387-95.4% | $5,432-97.1% | $2,343-93.4% |
| Participant deferral / active EE | $1,035 | $3,086-66.5% | $4,939-79.1% | $3,332-68.9% |
| Admin fee / account holder | $780 | $5,698-86.3% | $13,881-94.4% | $4,645-83.2% |