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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 | $21,034 | $39,132-46.2% | $57,196-63.2% | $62,881-66.6% |
| Participation rate | 55.3% | 70.5%-15.2pp | 75.3%-20.1pp | 69.3%-14.0pp |
| Annual return | 6.61% | 9.24%-2.6pp | 14.59%-8.0pp | 20.14%-13.5pp |
| Employer contribution / active EE | $54 | $1,874-97.1% | $2,683-98.0% | $2,281-97.6% |
| Participant deferral / active EE | $2,294 | $2,374-3.4% | $3,096-25.9% | $3,203-28.4% |
| Admin fee / account holder | $10,433 | $2,594+302.2% | $3,141+232.2% | $4,296+142.9% |