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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 | $75,860 | $101,778-25.5% | $164,975-54.0% | $80,925-6.3% |
| Participation rate | 36.5% | 71.8%-35.4pp | 78.6%-42.2pp | 67.7%-31.2pp |
| Annual return | 11.98% | 16.73%-4.7pp | 70.12%-58.1pp | 35.65%-23.7pp |
| Employer contribution / active EE | $761 | $2,954-74.2% | $4,343-82.5% | $2,756-72.4% |
| Participant deferral / active EE | $2,760 | $4,477-38.3% | $6,033-54.3% | $4,299-35.8% |
| Admin fee / account holder | $1,050 | $8,221-87.2% | $12,688-91.7% | $6,940-84.9% |