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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 | $130,759 | $64,729+102.0% | $112,263+16.5% | $68,490+90.9% |
| Participation rate | 21.3% | 67.2%-45.9pp | 75.1%-53.8pp | 67.9%-46.6pp |
| Annual return | -15.31% | -11.40%-3.9pp | 27.49%-42.8pp | -7.85%-7.5pp |
| Employer contribution / active EE | $181 | $2,746-93.4% | $3,636-95.0% | $2,597-93.0% |
| Participant deferral / active EE | $1,621 | $3,566-54.5% | $4,729-65.7% | $4,028-59.8% |
| Admin fee / account holder | $7,213 | $5,222+38.1% | $6,410+12.5% | $5,403+33.5% |