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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 | $102,228 | $88,672+15.3% | $105,223-2.8% | $82,448+24.0% |
| Participation rate | 16.1% | 67.9%-51.8pp | 75.0%-58.9pp | 68.1%-51.9pp |
| Annual return | 16.29% | 30.86%-14.6pp | 180.65%-164.4pp | 41.64%-25.3pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,792 | $4,036-55.6% | $5,072-64.7% | $4,139-56.7% |
| Admin fee / account holder | $5,245 | $7,146-26.6% | $8,859-40.8% | $7,234-27.5% |