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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 | $117,846 | $50,947+131.3% | $74,551+58.1% | $64,173+83.6% |
| Participation rate | 17.3% | 61.1%-43.8pp | 69.1%-51.9pp | 69.6%-52.3pp |
| Annual return | -6.60% | -1.85%-4.7pp | 32.53%-39.1pp | 7.63%-14.2pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,626 | $2,302-29.4% | $3,108-47.7% | $3,470-53.1% |
| Admin fee / account holder | $26,544 | $4,221+528.9% | $5,059+424.7% | $4,887+443.1% |