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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 | $135,419 | $67,411+100.9% | $91,004+48.8% | $70,124+93.1% |
| Participation rate | 53.3% | 71.4%-18.0pp | 75.6%-22.3pp | 69.5%-16.2pp |
| Annual return | 12.64% | -40.16%+52.8pp | 4.60%+8.0pp | 73.14%-60.5pp |
| Employer contribution / active EE | $264 | $1,786-85.2% | $2,456-89.2% | $2,342-88.7% |
| Participant deferral / active EE | $2,664 | $2,823-5.6% | $3,548-24.9% | $3,332-20.0% |
| Admin fee / account holder | $52,098 | $4,236+1129.8% | $5,417+861.7% | $4,645+1021.5% |