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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 | $85,945 | $106,749-19.5% | $145,433-40.9% | $82,448+4.2% |
| Participation rate | 68.9% | 75.6%-6.8pp | 82.1%-13.2pp | 68.1%+0.8pp |
| Annual return | 26.53% | 27.59%-1.1pp | 66.58%-40.0pp | 41.64%-15.1pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,863 | $6,519-25.4% | $7,897-38.4% | $4,139+17.5% |
| Admin fee / account holder | $3,309 | $8,390-60.6% | $13,129-74.8% | $7,234-54.3% |