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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 | $54,014 | $76,407-29.3% | $150,298-64.1% | $82,448-34.5% |
| Participation rate | 31.2% | 66.4%-35.2pp | 77.8%-46.6pp | 68.1%-36.9pp |
| Annual return | 13.77% | 39.99%-26.2pp | 62.79%-49.0pp | 41.64%-27.9pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,102 | $3,214-65.7% | $5,453-79.8% | $4,139-73.4% |
| Admin fee / account holder | $3,555 | $6,352-44.0% | $14,116-74.8% | $7,234-50.9% |