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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 | $65,259 | $78,015-16.4% | $178,505-63.4% | $80,959-19.4% |
| Participation rate | 49.1% | 65.7%-16.5pp | 77.1%-28.0pp | 67.7%-18.5pp |
| Annual return | 13.69% | 18.10%-4.4pp | 27.16%-13.5pp | 35.67%-22.0pp |
| Employer contribution / active EE | $158 | $2,281-93.1% | $3,955-96.0% | $2,757-94.3% |
| Participant deferral / active EE | $2,023 | $4,406-54.1% | $6,280-67.8% | $4,300-53.0% |
| Admin fee / account holder | $25,894 | $7,160+261.6% | $10,428+148.3% | $6,925+273.9% |