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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 | $137,534 | $88,672+55.1% | $105,223+30.7% | $82,448+66.8% |
| Participation rate | 34.4% | 67.9%-33.5pp | 75.0%-40.7pp | 68.1%-33.7pp |
| Annual return | 14.95% | 30.86%-15.9pp | 180.65%-165.7pp | 41.64%-26.7pp |
| Employer contribution / active EE | $565 | $3,048-81.4% | $3,689-84.7% | $2,551-77.8% |
| Participant deferral / active EE | $2,089 | $4,036-48.2% | $5,072-58.8% | $4,139-49.5% |
| Admin fee / account holder | $1,471 | $7,146-79.4% | $8,859-83.4% | $7,234-79.7% |