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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 | $40,348 | $83,898-51.9% | $133,346-69.7% | $94,015-57.1% |
| Participation rate | 44.7% | 63.4%-18.7pp | 72.8%-28.2pp | 70.8%-26.1pp |
| Annual return | 16.47% | 16.00%+0.5pp | 36.85%-20.4pp | 17.84%-1.4pp |
| Employer contribution / active EE | $0 | $1,821-100.0% | $2,853-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,315 | $3,245-28.7% | $4,332-46.6% | $4,249-45.5% |
| Admin fee / account holder | $1,782 | $7,809-77.2% | $14,264-87.5% | $8,951-80.1% |