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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 | $74,108 | $72,486+2.2% | $87,103-14.9% | $72,976+1.6% |
| Participation rate | 51.1% | 72.8%-21.7pp | 76.9%-25.8pp | 69.5%-18.4pp |
| Annual return | 18.18% | 24.46%-6.3pp | 28.19%-10.0pp | 81.02%-62.8pp |
| Employer contribution / active EE | $64 | $1,894-96.6% | $2,521-97.4% | $2,440-97.4% |
| Participant deferral / active EE | $1,575 | $3,270-51.8% | $4,049-61.1% | $3,608-56.4% |
| Admin fee / account holder | $1,020 | $5,055-79.8% | $7,491-86.4% | $5,124-80.1% |