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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 | $166,054 | $88,672+87.3% | $105,223+57.8% | $82,448+101.4% |
| Participation rate | 28.0% | 67.9%-39.9pp | 75.0%-47.0pp | 68.1%-40.1pp |
| Annual return | 18.00% | 30.86%-12.9pp | 180.65%-162.6pp | 41.64%-23.6pp |
| Employer contribution / active EE | $721 | $3,048-76.3% | $3,689-80.4% | $2,551-71.7% |
| Participant deferral / active EE | $2,305 | $4,036-42.9% | $5,072-54.5% | $4,139-44.3% |
| Admin fee / account holder | $4,351 | $7,146-39.1% | $8,859-50.9% | $7,234-39.9% |