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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 | $67,010 | $60,349+11.0% | $74,184-9.7% | $62,881+6.6% |
| Participation rate | 29.7% | 72.7%-43.0pp | 76.6%-46.9pp | 69.3%-39.6pp |
| Annual return | 6.00% | 21.38%-15.4pp | 17.74%-11.7pp | 20.14%-14.1pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,715 | $2,856-40.0% | $3,550-51.7% | $3,203-46.5% |
| Admin fee / account holder | $3,939 | $4,261-7.6% | $5,586-29.5% | $4,296-8.3% |