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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 | $25,408 | $77,962-67.4% | $178,540-85.8% | $80,935-68.6% |
| Participation rate | 49.1% | 65.7%-16.5pp | 77.1%-28.0pp | 67.7%-18.5pp |
| Annual return | 14.04% | 18.10%-4.1pp | 27.15%-13.1pp | 35.66%-21.6pp |
| Employer contribution / active EE | $317 | $2,280-86.1% | $3,953-92.0% | $2,757-88.5% |
| Participant deferral / active EE | $1,651 | $4,404-62.5% | $6,281-73.7% | $4,299-61.6% |
| Admin fee / account holder | $1,995 | $7,156-72.1% | $10,424-80.9% | $6,924-71.2% |