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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 | $23,218 | $31,679-26.7% | $74,723-68.9% | $65,186-64.4% |
| Participation rate | 53.4% | 40.4%+13.1pp | 54.5%-1.0pp | 70.2%-16.8pp |
| Annual return | 27.35% | 39.04%-11.7pp | 753.18%-725.8pp | 29.39%-2.0pp |
| Employer contribution / active EE | $0 | $566-100.0% | $1,084-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,444 | $1,191+21.3% | $1,962-26.4% | $3,514-58.9% |
| Admin fee / account holder | $535 | $379+41.2% | $3,335-84.0% | $847-36.9% |