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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 | $31,604 | $73,107-56.8% | $114,563-72.4% | $87,485-63.9% |
| Participation rate | 33.3% | 65.8%-32.4pp | 72.9%-39.6pp | 68.9%-35.6pp |
| Annual return | 16.32% | 19.47%-3.2pp | 241.09%-224.8pp | 26.06%-9.7pp |
| Employer contribution / active EE | $229 | $1,881-87.8% | $2,592-91.2% | $2,596-91.2% |
| Participant deferral / active EE | $1,189 | $3,144-62.2% | $4,142-71.3% | $4,274-72.2% |
| Admin fee / account holder | $676 | $5,770-88.3% | $7,623-91.1% | $7,775-91.3% |