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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 | $140,737 | $101,795+38.3% | $165,100-14.8% | $80,959+73.8% |
| Participation rate | 44.1% | 71.8%-27.7pp | 78.6%-34.5pp | 67.7%-23.6pp |
| Annual return | 20.87% | 16.73%+4.1pp | 70.21%-49.3pp | 35.67%-14.8pp |
| Employer contribution / active EE | $118 | $2,954-96.0% | $4,348-97.3% | $2,757-95.7% |
| Participant deferral / active EE | $2,368 | $4,476-47.1% | $6,035-60.8% | $4,300-44.9% |
| Admin fee / account holder | $52,714 | $8,221+541.2% | $12,696+315.2% | $6,925+661.2% |