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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 | $86,658 | $75,541+14.7% | $152,093-43.0% | $82,637+4.9% |
| Participation rate | 13.3% | 66.5%-53.2pp | 77.8%-64.4pp | 68.1%-54.7pp |
| Annual return | 20.39% | 32.56%-12.2pp | 66.36%-46.0pp | 53.51%-33.1pp |
| Employer contribution / active EE | $77 | $2,622-97.1% | $4,175-98.2% | $2,552-97.0% |
| Participant deferral / active EE | $1,128 | $3,206-64.8% | $5,451-79.3% | $4,126-72.7% |
| Admin fee / account holder | $4,199 | $6,405-34.4% | $14,497-71.0% | $7,339-42.8% |