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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 | $63,163 | $77,962-19.0% | $178,540-64.6% | $80,935-22.0% |
| Participation rate | 51.2% | 65.7%-14.4pp | 77.1%-25.9pp | 67.7%-16.4pp |
| Annual return | 23.32% | 18.10%+5.2pp | 27.15%-3.8pp | 35.66%-12.3pp |
| Employer contribution / active EE | -$3 | $2,280-100.1% | $3,953-100.1% | $2,757-100.1% |
| Participant deferral / active EE | $2,881 | $4,404-34.6% | $6,281-54.1% | $4,299-33.0% |
| Admin fee / account holder | $349 | $7,156-95.1% | $10,424-96.7% | $6,924-95.0% |