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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 | $11,174 | $75,541-85.2% | $152,093-92.7% | $82,637-86.5% |
| Participation rate | 48.3% | 66.5%-18.2pp | 77.8%-29.4pp | 68.1%-19.7pp |
| Annual return | 88.19% | 32.56%+55.6pp | 66.36%+21.8pp | 53.51%+34.7pp |
| Employer contribution / active EE | $221 | $2,622-91.6% | $4,175-94.7% | $2,552-91.3% |
| Participant deferral / active EE | $1,222 | $3,206-61.9% | $5,451-77.6% | $4,126-70.4% |
| Admin fee / account holder | $592 | $6,405-90.7% | $14,497-95.9% | $7,339-91.9% |