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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 | $19,682 | $62,672-68.6% | $185,117-89.4% | $70,126-71.9% |
| Participation rate | 65.4% | 63.8%+1.6pp | 77.3%-11.9pp | 69.5%-4.2pp |
| Annual return | 13.74% | 40.79%-27.1pp | 40.50%-26.8pp | 73.15%-59.4pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,777 | $3,272+15.4% | $5,045-25.1% | $3,332+13.3% |
| Admin fee / account holder | $1,294 | $3,932-67.1% | $8,159-84.1% | $4,645-72.1% |