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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 | $187,637 | $100,772+86.2% | $86,690+116.4% | $134,493+39.5% |
| Participation rate | 45.0% | 78.9%-33.9pp | 76.6%-31.6pp | 81.2%-36.2pp |
| Annual return | -3.59% | 29.06%-32.6pp | 35.93%-39.5pp | 418.01%-421.6pp |
| Employer contribution / active EE | $297 | $3,490-91.5% | $2,837-89.5% | $4,740-93.7% |
| Participant deferral / active EE | $1,806 | $5,338-66.2% | $4,656-61.2% | $6,400-71.8% |
| Admin fee / account holder | $10,497 | $10,920-3.9% | $7,490+40.2% | $11,425-8.1% |