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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 | $127,128 | $157,829-19.5% | $136,867-7.1% | $198,609-36.0% |
| Participation rate | 54.5% | 77.2%-22.6pp | 74.5%-20.0pp | 82.4%-27.8pp |
| Annual return | 13.86% | 51.25%-37.4pp | 42.97%-29.1pp | 202.70%-188.8pp |
| Employer contribution / active EE | $341 | $3,923-91.3% | $3,547-90.4% | $5,055-93.3% |
| Participant deferral / active EE | $4,900 | $5,463-10.3% | $4,924-0.5% | $6,977-29.8% |
| Admin fee / account holder | $531 | $11,107-95.2% | $10,340-94.9% | $19,030-97.2% |