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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 | $246,629 | $95,404+158.5% | $113,397+117.5% | $82,637+198.4% |
| Participation rate | 25.0% | 72.8%-47.8pp | 76.5%-51.5pp | 68.1%-43.1pp |
| Annual return | 15.73% | 19.08%-3.3pp | 23.20%-7.5pp | 53.51%-37.8pp |
| Employer contribution / active EE | $629 | $2,307-72.7% | $2,977-78.9% | $2,552-75.4% |
| Participant deferral / active EE | $2,464 | $4,220-41.6% | $5,076-51.5% | $4,126-40.3% |
| Admin fee / account holder | $1,556 | $9,168-83.0% | $11,957-87.0% | $7,339-78.8% |