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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 | $66,330 | $41,016+61.7% | $152,093-56.4% | $64,097+3.5% |
| Participation rate | 18.4% | 51.3%-32.9pp | 77.8%-59.3pp | 55.2%-36.7pp |
| Annual return | 15.96% | 39.60%-23.6pp | 66.36%-50.4pp | 34.64%-18.7pp |
| Employer contribution / active EE | $89 | $1,342-93.4% | $4,175-97.9% | $1,891-95.3% |
| Participant deferral / active EE | $1,671 | $1,927-13.3% | $5,451-69.4% | $3,080-45.8% |
| Admin fee / account holder | $12,207 | $2,305+429.5% | $14,497-15.8% | $3,454+253.4% |