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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 | $75,217 | $72,177+4.2% | $115,038-34.6% | $59,633+26.1% |
| Participation rate | 58.3% | 72.6%-14.2pp | 81.4%-23.0pp | 68.7%-10.3pp |
| Annual return | -1.20% | 12.02%-13.2pp | 26.14%-27.3pp | 2041.45%-2042.6pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $6,824 | $4,783+42.7% | $6,026+13.2% | $3,192+113.8% |
| Admin fee / account holder | $931 | $4,927-81.1% | $8,175-88.6% | $4,297-78.3% |