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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 | $17,306 | $52,279-66.9% | $89,414-80.6% | $79,852-78.3% |
| Participation rate | 63.6% | 57.5%+6.1pp | 68.0%-4.3pp | 69.6%-6.0pp |
| Annual return | 14.98% | 22.16%-7.2pp | 245.50%-230.5pp | 31.72%-16.7pp |
| Employer contribution / active EE | $0 | $1,572-100.0% | $2,586-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,179 | $2,740-20.5% | $3,890-44.0% | $3,740-41.7% |
| Admin fee / account holder | $339 | $3,356-89.9% | $4,883-93.1% | $5,306-93.6% |