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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 | $97,207 | $73,863+31.6% | $143,797-32.4% | $68,490+41.9% |
| Participation rate | 20.7% | 66.7%-45.9pp | 80.3%-59.6pp | 67.9%-47.2pp |
| Annual return | -17.56% | 0.91%-18.5pp | -0.04%-17.5pp | -7.85%-9.7pp |
| Employer contribution / active EE | $226 | $3,185-92.9% | $4,952-95.4% | $2,597-91.3% |
| Participant deferral / active EE | $1,229 | $3,385-63.7% | $5,638-78.2% | $4,028-69.5% |
| Admin fee / account holder | $1,462 | $5,756-74.6% | $14,679-90.0% | $5,403-72.9% |