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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 | $184,228 | $48,011+283.7% | $63,803+188.7% | $82,637+122.9% |
| Participation rate | 18.5% | 66.6%-48.0pp | 72.7%-54.2pp | 68.1%-49.5pp |
| Annual return | 14.19% | 19.84%-5.7pp | 543.72%-529.5pp | 53.51%-39.3pp |
| Employer contribution / active EE | $355 | $1,904-81.3% | $2,532-86.0% | $2,552-86.1% |
| Participant deferral / active EE | $828 | $2,846-70.9% | $3,843-78.4% | $4,126-79.9% |
| Admin fee / account holder | $1,156 | $3,873-70.2% | $5,196-77.8% | $7,339-84.2% |