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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 | $50,387 | $110,137-54.3% | $161,149-68.7% | $82,637-39.0% |
| Participation rate | 58.5% | 72.4%-13.8pp | 78.8%-20.3pp | 68.1%-9.5pp |
| Annual return | 15.83% | 20.69%-4.9pp | 21.16%-5.3pp | 53.51%-37.7pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,780 | $4,575-39.2% | $6,153-54.8% | $4,126-32.6% |
| Admin fee / account holder | $614 | $9,467-93.5% | $15,194-96.0% | $7,339-91.6% |