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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 | $24,121 | $81,233-70.3% | $155,567-84.5% | $80,874-70.2% |
| Participation rate | 63.3% | 66.2%-3.0pp | 78.2%-14.9pp | 67.6%-4.4pp |
| Annual return | 15.59% | 33.33%-17.7pp | 64.74%-49.1pp | 35.62%-20.0pp |
| Employer contribution / active EE | $305 | $3,101-90.2% | $4,674-93.5% | $2,756-88.9% |
| Participant deferral / active EE | $2,844 | $3,452-17.6% | $5,628-49.5% | $4,297-33.8% |
| Admin fee / account holder | $1,730 | $7,998-78.4% | $15,916-89.1% | $6,935-75.1% |