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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 | $62,426 | $56,894+9.7% | $84,753-26.3% | $62,881-0.7% |
| Participation rate | 29.8% | 68.5%-38.7pp | 76.6%-46.8pp | 69.3%-39.5pp |
| Annual return | 8.55% | 6.30%+2.2pp | 22.78%-14.2pp | 20.14%-11.6pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,098 | $2,709-59.5% | $3,712-70.4% | $3,203-65.7% |
| Admin fee / account holder | $752 | $3,581-79.0% | $5,333-85.9% | $4,296-82.5% |