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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 | $44,007 | $54,541-19.3% | $78,778-44.1% | $70,124-37.2% |
| Participation rate | 61.5% | 60.8%+0.7pp | 69.2%-7.7pp | 69.5%-8.0pp |
| Annual return | 16.20% | 21.07%-4.9pp | 35.62%-19.4pp | 73.14%-56.9pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,220 | $2,210-44.8% | $2,958-58.7% | $3,332-63.4% |
| Admin fee / account holder | $767 | $3,709-79.3% | $5,134-85.1% | $4,645-83.5% |