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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 | $86,970 | $96,558-9.9% | $80,977+7.4% | $273,972-68.3% |
| Participation rate | 56.3% | 79.1%-22.8pp | 75.8%-19.6pp | 83.0%-26.8pp |
| Annual return | 7.45% | 15.14%-7.7pp | 17.11%-9.7pp | 41.46%-34.0pp |
| Employer contribution / active EE | $0 | $4,869-100.0% | $3,715-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,115 | $6,598-52.8% | $5,696-45.3% | $5,287-41.1% |
| Admin fee / account holder | $1,229 | $7,493-83.6% | $5,517-77.7% | $10,133-87.9% |