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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 | $67,019 | $63,949+4.8% | $129,031-48.1% | $94,015-28.7% |
| Participation rate | 18.2% | 63.4%-45.3pp | 73.4%-55.2pp | 70.8%-52.6pp |
| Annual return | 12.34% | 17.56%-5.2pp | 34.67%-22.3pp | 17.84%-5.5pp |
| Employer contribution / active EE | $0 | $1,865-100.0% | $3,226-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $2,501 | $3,686-32.2% | $5,217-52.1% | $4,249-41.1% |
| Admin fee / account holder | $2,278 | $5,523-58.8% | $13,208-82.8% | $8,951-74.5% |