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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 | $25,054 | $86,330-71.0% | $121,871-79.4% | $94,015-73.4% |
| Participation rate | 55.0% | 66.7%-11.7pp | 73.2%-18.2pp | 70.8%-15.8pp |
| Annual return | 19.52% | 14.95%+4.6pp | 13.57%+6.0pp | 17.84%+1.7pp |
| Employer contribution / active EE | $0 | $2,292-100.0% | $2,731-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,197 | $3,146-30.2% | $4,318-49.1% | $4,249-48.3% |
| Admin fee / account holder | $394 | $7,346-94.6% | $11,551-96.6% | $8,951-95.6% |