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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 | $59,985 | $73,787-18.7% | $98,716-39.2% | $82,448-27.2% |
| Participation rate | 26.8% | 61.4%-34.6pp | 69.3%-42.5pp | 68.1%-41.2pp |
| Annual return | 19.08% | 18.57%+0.5pp | 31.81%-12.7pp | 41.64%-22.6pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,488 | $3,081+13.2% | $4,048-13.8% | $4,139-15.7% |
| Admin fee / account holder | $729 | $6,500-88.8% | $8,703-91.6% | $7,234-89.9% |