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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 | $13,308 | $43,075-69.1% | $74,577-82.2% | $62,881-78.8% |
| Participation rate | 55.6% | 58.1%-2.5pp | 68.1%-12.6pp | 69.3%-13.7pp |
| Annual return | 33.42% | 17.50%+15.9pp | 20.47%+12.9pp | 20.14%+13.3pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $5,374 | $2,389+124.9% | $3,458+55.4% | $3,203+67.8% |
| Admin fee / account holder | $736 | $2,840-74.1% | $4,138-82.2% | $4,296-82.9% |