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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 | $147,185 | $67,411+118.3% | $91,004+61.7% | $70,131+109.9% |
| Participation rate | 52.9% | 71.4%-18.4pp | 75.6%-22.7pp | 69.5%-16.6pp |
| Annual return | 14.00% | -40.16%+54.2pp | 4.60%+9.4pp | 73.14%-59.1pp |
| Employer contribution / active EE | $242 | $1,786-86.4% | $2,456-90.1% | $2,342-89.7% |
| Participant deferral / active EE | $2,067 | $2,823-26.8% | $3,548-41.7% | $3,332-38.0% |
| Admin fee / account holder | $38,554 | $4,236+810.1% | $5,417+611.7% | $4,645+729.9% |