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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 | $10,882 | $46,596-76.6% | $64,099-83.0% | $75,181-85.5% |
| Participation rate | 24.4% | 65.9%-41.5pp | 72.3%-47.9pp | 67.2%-42.8pp |
| Annual return | 30.33% | 26.04%+4.3pp | 33.70%-3.4pp | 160.69%-130.4pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,748-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,879 | $2,837-33.8% | $3,881-51.6% | $4,126-54.5% |
| Admin fee / account holder | $1,607 | $2,954-45.6% | $3,070-47.7% | $5,650-71.6% |