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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 | $197,022 | $75,541+160.8% | $152,093+29.5% | $82,637+138.4% |
| Participation rate | 52.9% | 66.5%-13.6pp | 77.8%-24.8pp | 68.1%-15.1pp |
| Annual return | 16.74% | 32.56%-15.8pp | 66.36%-49.6pp | 53.51%-36.8pp |
| Employer contribution / active EE | $102 | $2,622-96.1% | $4,175-97.6% | $2,552-96.0% |
| Participant deferral / active EE | $6,774 | $3,206+111.3% | $5,451+24.3% | $4,126+64.2% |
| Admin fee / account holder | $2,009 | $6,405-68.6% | $14,497-86.1% | $7,339-72.6% |