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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 | $145,655 | $61,391+137.3% | $149,723-2.7% | $71,529+103.6% |
| Participation rate | 13.2% | 62.5%-49.3pp | 78.8%-65.6pp | 67.9%-54.7pp |
| Annual return | 13.46% | 35.88%-22.4pp | 134.50%-121.0pp | 28.97%-15.5pp |
| Employer contribution / active EE | $211 | $2,384-91.2% | $4,821-95.6% | $2,590-91.9% |
| Participant deferral / active EE | $1,449 | $2,921-50.4% | $5,682-74.5% | $4,291-66.2% |
| Admin fee / account holder | $2,762 | $1,264+118.5% | $13,215-79.1% | $1,588+73.9% |