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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 | $209,502 | $101,778+105.8% | $164,975+27.0% | $80,925+158.9% |
| Participation rate | 51.8% | 71.8%-20.0pp | 78.6%-26.8pp | 67.7%-15.9pp |
| Annual return | 11.81% | 16.73%-4.9pp | 70.12%-58.3pp | 35.65%-23.8pp |
| Employer contribution / active EE | $315 | $2,954-89.3% | $4,343-92.7% | $2,756-88.6% |
| Participant deferral / active EE | $2,304 | $4,477-48.5% | $6,033-61.8% | $4,299-46.4% |
| Admin fee / account holder | $13,905 | $8,221+69.1% | $12,688+9.6% | $6,940+100.4% |