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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 | $29,111 | $56,277-48.3% | $80,976-64.0% | $62,891-53.7% |
| Participation rate | 40.3% | 69.0%-28.7pp | 75.8%-35.5pp | 69.3%-29.0pp |
| Annual return | 8.70% | 22.12%-13.4pp | 17.10%-8.4pp | 20.14%-11.4pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,714-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,407 | $4,195-42.6% | $5,696-57.7% | $3,203-24.8% |
| Admin fee / account holder | $350 | $3,741-90.7% | $5,516-93.7% | $4,296-91.9% |