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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 | $59,227 | $126,661-53.2% | $113,397-47.8% | $138,895-57.4% |
| Participation rate | 61.9% | 79.4%-17.5pp | 76.5%-14.6pp | 79.9%-18.0pp |
| Annual return | 18.59% | 25.05%-6.5pp | 23.20%-4.6pp | 145.39%-126.8pp |
| Employer contribution / active EE | $0 | $3,456-100.0% | $2,977-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $9,900 | $5,693+73.9% | $5,076+95.0% | $6,396+54.8% |
| Admin fee / account holder | $10,835 | $14,549-25.5% | $11,957-9.4% | $12,562-13.7% |