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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 | $183,986 | $76,407+140.8% | $150,298+22.4% | $82,448+123.2% |
| Participation rate | 11.1% | 66.4%-55.3pp | 77.8%-66.6pp | 68.1%-57.0pp |
| Annual return | 16.04% | 39.99%-24.0pp | 62.79%-46.7pp | 41.64%-25.6pp |
| Employer contribution / active EE | $223 | $2,614-91.5% | $4,154-94.6% | $2,551-91.2% |
| Participant deferral / active EE | $2,120 | $3,214-34.1% | $5,453-61.1% | $4,139-48.8% |
| Admin fee / account holder | $2,344 | $6,352-63.1% | $14,116-83.4% | $7,234-67.6% |