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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 | $131,529 | $57,140+130.2% | $85,240+54.3% | $80,959+62.5% |
| Participation rate | 43.2% | 56.4%-13.2pp | 67.5%-24.3pp | 67.7%-24.5pp |
| Annual return | 12.86% | 21.71%-8.9pp | 66.75%-53.9pp | 35.67%-22.8pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,323 | $3,115+38.8% | $4,527-4.5% | $4,300+0.5% |
| Admin fee / account holder | $3,561 | $4,992-28.7% | $6,165-42.2% | $6,925-48.6% |