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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 | $74,051 | $69,590+6.4% | $136,867-45.9% | $94,015-21.2% |
| Participation rate | 36.8% | 66.3%-29.5pp | 74.5%-37.7pp | 70.8%-34.0pp |
| Annual return | 11.87% | 19.62%-7.7pp | 42.97%-31.1pp | 17.84%-6.0pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,547-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,780 | $3,437-48.2% | $4,924-63.8% | $4,249-58.1% |
| Admin fee / account holder | $7,402 | $8,912-16.9% | $10,340-28.4% | $8,951-17.3% |