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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 | $194,297 | $117,433+65.5% | $99,475+95.3% | $152,897+27.1% |
| Participation rate | 55.6% | 77.5%-22.0pp | 73.8%-18.3pp | 82.5%-26.9pp |
| Annual return | 16.96% | 31.87%-14.9pp | 30.72%-13.8pp | 345.43%-328.5pp |
| Employer contribution / active EE | $0 | $3,013-100.0% | $2,540-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,378 | $4,086+7.1% | $3,619+21.0% | $5,851-25.2% |
| Admin fee / account holder | $700 | $7,634-90.8% | $6,252-88.8% | $11,599-94.0% |