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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 | $13,161 | $45,872-71.3% | $77,096-82.9% | $68,486-80.8% |
| Participation rate | 57.4% | 55.9%+1.5pp | 67.9%-10.5pp | 67.9%-10.5pp |
| Annual return | -19.06% | 1.73%-20.8pp | 42.35%-61.4pp | -7.85%-11.2pp |
| Employer contribution / active EE | $172 | $1,650-89.6% | $2,814-93.9% | $2,597-93.4% |
| Participant deferral / active EE | $1,726 | $2,963-41.8% | $4,429-61.0% | $4,028-57.2% |
| Admin fee / account holder | $546 | $3,041-82.1% | $5,428-89.9% | $5,404-89.9% |