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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 | $97,007 | $62,672+54.8% | $185,117-47.6% | $70,126+38.3% |
| Participation rate | 44.4% | 63.8%-19.3pp | 77.3%-32.8pp | 69.5%-25.1pp |
| Annual return | 17.20% | 40.79%-23.6pp | 40.50%-23.3pp | 73.15%-55.9pp |
| Employer contribution / active EE | $158 | $1,753-91.0% | $4,182-96.2% | $2,343-93.2% |
| Participant deferral / active EE | $3,282 | $3,272+0.3% | $5,045-34.9% | $3,332-1.5% |
| Admin fee / account holder | $2,676 | $3,932-32.0% | $8,159-67.2% | $4,645-42.4% |