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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 | $115,371 | $86,701+33.1% | $73,309+57.4% | $125,388-8.0% |
| Participation rate | 63.6% | 78.6%-15.0pp | 74.9%-11.3pp | 83.2%-19.6pp |
| Annual return | -1.20% | 2.78%-4.0pp | 5.67%-6.9pp | 282.24%-283.4pp |
| Employer contribution / active EE | $0 | $4,152-100.0% | $3,237-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $3,154 | $5,549-43.2% | $4,991-36.8% | $5,352-41.1% |
| Admin fee / account holder | $1,665 | $7,768-78.6% | $5,635-70.4% | $9,541-82.5% |