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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 | $38,468 | $71,208-46.0% | $93,681-58.9% | $80,911-52.5% |
| Participation rate | 42.6% | 60.4%-17.8pp | 68.7%-26.1pp | 67.6%-25.1pp |
| Annual return | 12.19% | 11.27%+0.9pp | 133.47%-121.3pp | 35.63%-23.4pp |
| Employer contribution / active EE | $266 | $1,564-83.0% | $2,422-89.0% | $2,756-90.3% |
| Participant deferral / active EE | $2,490 | $4,035-38.3% | $4,415-43.6% | $4,297-42.1% |
| Admin fee / account holder | $1,874 | $6,951-73.0% | $8,290-77.4% | $6,935-73.0% |