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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 | $25,433 | $65,364-61.1% | $92,909-72.6% | $72,975-65.1% |
| Participation rate | 43.8% | 68.3%-24.6pp | 76.0%-32.3pp | 69.5%-25.7pp |
| Annual return | 21.41% | 42.11%-20.7pp | 109.44%-88.0pp | 81.01%-59.6pp |
| Employer contribution / active EE | $313 | $2,594-87.9% | $3,653-91.4% | $2,440-87.2% |
| Participant deferral / active EE | $3,737 | $3,128+19.5% | $4,238-11.8% | $3,608+3.6% |
| Admin fee / account holder | $9,874 | $4,251+132.3% | $5,795+70.4% | $5,124+92.7% |