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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 | $32,426 | $81,262-60.1% | $155,602-79.2% | $80,911-59.9% |
| Participation rate | 14.0% | 66.2%-52.3pp | 78.2%-64.3pp | 67.6%-53.7pp |
| Annual return | 13.93% | 33.34%-19.4pp | 64.81%-50.9pp | 35.63%-21.7pp |
| Employer contribution / active EE | $0 | $3,102-100.0% | $4,675-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,487 | $3,451-27.9% | $5,629-55.8% | $4,297-42.1% |
| Admin fee / account holder | $5,265 | $7,992-34.1% | $15,923-66.9% | $6,935-24.1% |