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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 | $15,087 | $41,016-63.2% | $152,093-90.1% | $64,097-76.5% |
| Participation rate | 42.3% | 51.3%-9.0pp | 77.8%-35.5pp | 55.2%-12.9pp |
| Annual return | 39.67% | 39.60%+0.1pp | 66.36%-26.7pp | 34.64%+5.0pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $2,133 | $1,927+10.7% | $5,451-60.9% | $3,080-30.7% |
| Admin fee / account holder | $827 | $2,305-64.1% | $14,497-94.3% | $3,454-76.0% |