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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 | $31,954 | $89,259-64.2% | $107,187-70.2% | $82,637-61.3% |
| Participation rate | 53.3% | 67.9%-14.6pp | 75.0%-21.7pp | 68.1%-14.7pp |
| Annual return | 15.60% | 21.02%-5.4pp | 204.55%-189.0pp | 53.51%-37.9pp |
| Employer contribution / active EE | $527 | $3,080-82.9% | $3,782-86.1% | $2,552-79.3% |
| Participant deferral / active EE | $4,148 | $4,037+2.7% | $5,096-18.6% | $4,126+0.5% |
| Admin fee / account holder | $7,230 | $7,381-2.0% | $9,162-21.1% | $7,339-1.5% |