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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 | $90,520 | $157,296-42.5% | $141,191-35.9% | $152,897-40.8% |
| Participation rate | 45.5% | 84.8%-39.4pp | 82.5%-37.0pp | 82.5%-37.0pp |
| Annual return | 16.54% | 64.34%-47.8pp | 71.41%-54.9pp | 345.43%-328.9pp |
| Employer contribution / active EE | $741 | $5,262-85.9% | $4,736-84.4% | $4,764-84.5% |
| Participant deferral / active EE | $4,597 | $7,111-35.4% | $6,710-31.5% | $5,851-21.4% |
| Admin fee / account holder | $1,600 | $12,125-86.8% | $10,264-84.4% | $11,599-86.2% |