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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 | $42,963 | $41,016+4.7% | $152,093-71.8% | $64,097-33.0% |
| Participation rate | 16.9% | 51.3%-34.4pp | 77.8%-60.8pp | 55.2%-38.3pp |
| Annual return | 15.29% | 39.60%-24.3pp | 66.36%-51.1pp | 34.64%-19.4pp |
| Employer contribution / active EE | $0 | $1,342-100.0% | $4,175-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $1,579 | $1,927-18.1% | $5,451-71.0% | $3,080-48.7% |
| Admin fee / account holder | $4,211 | $2,305+82.7% | $14,497-71.0% | $3,454+21.9% |