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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 | $23,667 | $75,541-68.7% | $152,093-84.4% | $82,637-71.4% |
| Participation rate | 67.3% | 66.5%+0.8pp | 77.8%-10.4pp | 68.1%-0.7pp |
| Annual return | 17.59% | 32.56%-15.0pp | 66.36%-48.8pp | 53.51%-35.9pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $7,572 | $3,206+136.2% | $5,451+38.9% | $4,126+83.5% |
| Admin fee / account holder | $6,582 | $6,405+2.8% | $14,497-54.6% | $7,339-10.3% |