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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 | $32,118 | $73,787-56.5% | $98,716-67.5% | $82,448-61.0% |
| Participation rate | 51.9% | 61.4%-9.5pp | 69.3%-17.4pp | 68.1%-16.1pp |
| Annual return | 14.36% | 18.57%-4.2pp | 31.81%-17.4pp | 41.64%-27.3pp |
| Employer contribution / active EE | $275 | $1,511-81.8% | $2,279-87.9% | $2,551-89.2% |
| Participant deferral / active EE | $3,411 | $3,081+10.7% | $4,048-15.7% | $4,139-17.6% |
| Admin fee / account holder | $3,679 | $6,500-43.4% | $8,703-57.7% | $7,234-49.2% |