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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 | $52,875 | $91,198-42.0% | $178,503-70.4% | $79,856-33.8% |
| Participation rate | 60.5% | 69.2%-8.7pp | 81.9%-21.4pp | 69.6%-9.1pp |
| Annual return | 15.35% | 24.20%-8.8pp | 151.12%-135.8pp | 31.71%-16.4pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,098 | $3,237-66.1% | $5,202-78.9% | $3,741-70.6% |
| Admin fee / account holder | $5,398 | $6,748-20.0% | $13,987-61.4% | $5,306+1.7% |