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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 | $178,919 | $73,787+142.5% | $98,716+81.2% | $82,448+117.0% |
| Participation rate | 12.1% | 61.4%-49.3pp | 69.3%-57.2pp | 68.1%-56.0pp |
| Annual return | 12.92% | 18.57%-5.6pp | 31.81%-18.9pp | 41.64%-28.7pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,304 | $3,081-57.7% | $4,048-67.8% | $4,139-68.5% |
| Admin fee / account holder | $5,794 | $6,500-10.9% | $8,703-33.4% | $7,234-19.9% |