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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 | $23,605 | $78,015-69.7% | $178,505-86.8% | $80,959-70.8% |
| Participation rate | 44.3% | 65.7%-21.3pp | 77.1%-32.8pp | 67.7%-23.3pp |
| Annual return | 13.86% | 18.10%-4.2pp | 27.16%-13.3pp | 35.67%-21.8pp |
| Employer contribution / active EE | $76 | $2,281-96.7% | $3,955-98.1% | $2,757-97.2% |
| Participant deferral / active EE | $1,571 | $4,406-64.3% | $6,280-75.0% | $4,300-63.5% |
| Admin fee / account holder | $1,903 | $7,160-73.4% | $10,428-81.8% | $6,925-72.5% |