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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 | $25,252 | $65,361-61.4% | $92,903-72.8% | $72,983-65.4% |
| Participation rate | 22.6% | 68.3%-45.7pp | 76.0%-53.4pp | 69.5%-46.9pp |
| Annual return | 27.37% | 42.11%-14.7pp | 109.43%-82.1pp | 81.01%-53.6pp |
| Employer contribution / active EE | $394 | $2,594-84.8% | $3,653-89.2% | $2,440-83.8% |
| Participant deferral / active EE | $1,468 | $3,128-53.1% | $4,238-65.4% | $3,608-59.3% |
| Admin fee / account holder | $938 | $4,251-77.9% | $5,795-83.8% | $5,124-81.7% |