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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 | $138,393+38.3% | $184,256+3.9% | $80,959+136.4% |
| Participation rate | 28.1% | 83.9%-55.8pp | 86.8%-58.7pp | 67.7%-39.5pp |
| Annual return | 25.34% | 20.01%+5.3pp | 28.85%-3.5pp | 35.67%-10.3pp |
| Employer contribution / active EE | $508 | $4,847-89.5% | $6,427-92.1% | $2,757-81.6% |
| Participant deferral / active EE | $4,146 | $7,076-41.4% | $9,133-54.6% | $4,300-3.6% |
| Admin fee / account holder | $37,692 | $10,489+259.3% | $13,899+171.2% | $6,925+444.3% |