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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 | $38,305 | $69,977-45.3% | $108,582-64.7% | $62,881-39.1% |
| Participation rate | 55.6% | 72.9%-17.3pp | 79.6%-24.0pp | 69.3%-13.7pp |
| Annual return | 7.05% | 10.73%-3.7pp | -51.70%+58.7pp | 20.14%-13.1pp |
| Employer contribution / active EE | $104 | $2,135-95.1% | $3,758-97.2% | $2,281-95.4% |
| Participant deferral / active EE | $1,732 | $3,165-45.3% | $4,311-59.8% | $3,203-45.9% |
| Admin fee / account holder | $2,814 | $5,076-44.6% | $7,645-63.2% | $4,296-34.5% |