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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 | $222,489 | $86,938+155.9% | $102,423+117.2% | $80,925+174.9% |
| Participation rate | 29.0% | 72.4%-43.4pp | 76.5%-47.5pp | 67.7%-38.6pp |
| Annual return | 15.94% | 18.89%-2.9pp | 29.42%-13.5pp | 35.65%-19.7pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,785 | $4,120-32.4% | $5,054-44.9% | $4,299-35.2% |
| Admin fee / account holder | $11,631 | $8,053+44.4% | $9,455+23.0% | $6,940+67.6% |