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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 | $191,426 | $138,385+38.3% | $184,200+3.9% | $80,874+136.7% |
| Participation rate | 28.1% | 83.9%-55.7pp | 86.8%-58.7pp | 67.6%-39.5pp |
| Annual return | 25.34% | 20.02%+5.3pp | 28.80%-3.5pp | 35.62%-10.3pp |
| Employer contribution / active EE | $508 | $4,849-89.5% | $6,424-92.1% | $2,756-81.6% |
| Participant deferral / active EE | $4,146 | $7,073-41.4% | $9,132-54.6% | $4,297-3.5% |
| Admin fee / account holder | $37,692 | $10,483+259.5% | $13,907+171.0% | $6,935+443.5% |