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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 | $78,479 | $88,183-11.0% | $107,187-26.8% | $71,012+10.5% |
| Participation rate | 13.3% | 67.5%-54.2pp | 75.0%-61.7pp | 58.6%-45.3pp |
| Annual return | 15.52% | 16.47%-1.0pp | 204.55%-189.0pp | 37.67%-22.2pp |
| Employer contribution / active EE | $414 | $3,914-89.4% | $3,782-89.0% | $2,348-82.3% |
| Participant deferral / active EE | $1,225 | $3,079-60.2% | $5,096-76.0% | $3,246-62.3% |
| Admin fee / account holder | $4,164 | $1,430+191.1% | $9,162-54.6% | $1,167+256.7% |