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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 | $58,230 | $106,749-45.5% | $145,433-60.0% | $82,448-29.4% |
| Participation rate | 60.9% | 75.6%-14.8pp | 82.1%-21.2pp | 68.1%-7.2pp |
| Annual return | 16.20% | 27.59%-11.4pp | 66.58%-50.4pp | 41.64%-25.4pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,459 | $6,519-46.9% | $7,897-56.2% | $4,139-16.4% |
| Admin fee / account holder | $2,073 | $8,390-75.3% | $13,129-84.2% | $7,234-71.3% |