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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 | $32,985 | $65,364-49.5% | $92,909-64.5% | $72,975-54.8% |
| Participation rate | 31.3% | 68.3%-37.0pp | 76.0%-44.7pp | 69.5%-38.2pp |
| Annual return | 17.33% | 42.11%-24.8pp | 109.44%-92.1pp | 81.01%-63.7pp |
| Employer contribution / active EE | $265 | $2,594-89.8% | $3,653-92.8% | $2,440-89.2% |
| Participant deferral / active EE | $1,849 | $3,128-40.9% | $4,238-56.4% | $3,608-48.7% |
| Admin fee / account holder | $2,759 | $4,251-35.1% | $5,795-52.4% | $5,124-46.1% |