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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 | $65,636 | $47,448+38.3% | $94,993-30.9% | $62,293+5.4% |
| Participation rate | 36.0% | 66.5%-30.5pp | 73.9%-37.9pp | 69.5%-33.5pp |
| Annual return | 15.42% | 22.64%-7.2pp | 27.14%-11.7pp | 28.90%-13.5pp |
| Employer contribution / active EE | $169 | $1,300-87.0% | $2,603-93.5% | $2,042-91.7% |
| Participant deferral / active EE | $1,830 | $2,375-22.9% | $3,317-44.8% | $3,169-42.3% |
| Admin fee / account holder | $9,962 | $434+2193.7% | $4,960+100.8% | $479+1978.3% |