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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 | $31,823 | $54,541-41.7% | $78,778-59.6% | $70,126-54.6% |
| Participation rate | 44.8% | 60.8%-16.0pp | 69.2%-24.4pp | 69.5%-24.7pp |
| Annual return | 18.19% | 21.07%-2.9pp | 35.62%-17.4pp | 73.15%-55.0pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,919 | $2,210-13.2% | $2,958-35.1% | $3,332-42.4% |
| Admin fee / account holder | $303 | $3,709-91.8% | $5,134-94.1% | $4,645-93.5% |