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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 | $163,287 | $81,233+101.0% | $155,567+5.0% | $80,874+101.9% |
| Participation rate | 28.0% | 66.2%-38.2pp | 78.2%-50.2pp | 67.6%-39.6pp |
| Annual return | 12.40% | 33.33%-20.9pp | 64.74%-52.3pp | 35.62%-23.2pp |
| Employer contribution / active EE | $0 | $3,101-100.0% | $4,674-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,961 | $3,452+43.7% | $5,628-11.9% | $4,297+15.4% |
| Admin fee / account holder | $1,401 | $7,998-82.5% | $15,916-91.2% | $6,935-79.8% |