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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 | $32,215 | $56,287-42.8% | $80,977-60.2% | $62,881-48.8% |
| Participation rate | 61.8% | 68.9%-7.2pp | 75.8%-14.0pp | 69.3%-7.5pp |
| Annual return | 7.58% | 22.13%-14.6pp | 17.11%-9.5pp | 20.14%-12.6pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,251 | $4,196+1.3% | $5,696-25.4% | $3,203+32.7% |
| Admin fee / account holder | $7,107 | $3,742+89.9% | $5,517+28.8% | $4,296+65.4% |