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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 | $22,920 | $43,496-47.3% | $161,489-85.8% | $64,340-64.4% |
| Participation rate | 25.0% | 53.5%-28.5pp | 78.7%-53.7pp | 55.2%-30.2pp |
| Annual return | 16.69% | 20.76%-4.1pp | 89.72%-73.0pp | 24.14%-7.5pp |
| Employer contribution / active EE | $232 | $1,431-83.8% | $4,268-94.6% | $1,862-87.5% |
| Participant deferral / active EE | $1,102 | $1,996-44.8% | $5,630-80.4% | $2,980-63.0% |
| Admin fee / account holder | $1,246 | $2,330-46.5% | $16,006-92.2% | $3,703-66.4% |