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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 | $71,642 | $50,947+40.6% | $74,551-3.9% | $64,173+11.6% |
| Participation rate | 43.5% | 61.1%-17.5pp | 69.1%-25.6pp | 69.6%-26.0pp |
| Annual return | -3.92% | -1.85%-2.1pp | 32.53%-36.5pp | 7.63%-11.6pp |
| Employer contribution / active EE | $197 | $1,115-82.3% | $1,961-89.9% | $2,381-91.7% |
| Participant deferral / active EE | $1,192 | $2,302-48.2% | $3,108-61.7% | $3,470-65.7% |
| Admin fee / account holder | $1,711 | $4,221-59.5% | $5,059-66.2% | $4,887-65.0% |