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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 | $26,711 | $81,276-67.1% | $155,574-82.8% | $80,925-67.0% |
| Participation rate | 43.9% | 66.2%-22.3pp | 78.2%-34.3pp | 67.7%-23.8pp |
| Annual return | 49.27% | 33.36%+15.9pp | 64.87%-15.6pp | 35.65%+13.6pp |
| Employer contribution / active EE | $130 | $3,103-95.8% | $4,676-97.2% | $2,756-95.3% |
| Participant deferral / active EE | $4,260 | $3,453+23.4% | $5,629-24.3% | $4,299-0.9% |
| Admin fee / account holder | $1,320 | $7,993-83.5% | $15,914-91.7% | $6,940-81.0% |