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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 | $53,735 | $43,749+22.8% | $158,223-66.0% | $65,306-17.7% |
| Participation rate | 41.0% | 56.9%-15.9pp | 79.2%-38.2pp | 57.7%-16.7pp |
| Annual return | 15.33% | 19.41%-4.1pp | 52.09%-36.8pp | 21.94%-6.6pp |
| Employer contribution / active EE | $0 | $1,497-100.0% | $4,109-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $4,203 | $2,019+108.2% | $5,467-23.1% | $2,959+42.0% |
| Admin fee / account holder | $4,480 | $1,930+132.1% | $16,047-72.1% | $3,480+28.7% |