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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 | $156,295 | $157,276-0.6% | $141,177+10.7% | $152,885+2.2% |
| Participation rate | 38.5% | 84.8%-46.4pp | 82.5%-44.0pp | 82.5%-44.0pp |
| Annual return | 15.58% | 64.33%-48.8pp | 71.40%-55.8pp | 345.39%-329.8pp |
| Employer contribution / active EE | $0 | $5,262-100.0% | $4,736-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $5,241 | $7,110-26.3% | $6,710-21.9% | $5,851-10.4% |
| Admin fee / account holder | $410 | $12,123-96.6% | $10,263-96.0% | $11,598-96.5% |