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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 | $95,687 | $50,947+87.8% | $74,549+28.4% | $64,173+49.1% |
| Participation rate | 27.8% | 61.1%-33.3pp | 69.1%-41.4pp | 69.6%-41.8pp |
| Annual return | -4.41% | -1.85%-2.6pp | 32.53%-36.9pp | 7.63%-12.0pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,372 | $2,302+3.0% | $3,108-23.7% | $3,470-31.6% |
| Admin fee / account holder | $1,884 | $4,221-55.4% | $5,059-62.8% | $4,887-61.4% |