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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 | $125,931 | $65,027+93.7% | $90,970+38.4% | $79,852+57.7% |
| Participation rate | 34.4% | 61.6%-27.2pp | 69.0%-34.6pp | 69.6%-35.3pp |
| Annual return | 15.02% | 30.45%-15.4pp | 134.58%-119.6pp | 31.72%-16.7pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,947 | $2,512-22.5% | $3,373-42.3% | $3,740-48.0% |
| Admin fee / account holder | $4,181 | $4,535-7.8% | $5,960-29.8% | $5,306-21.2% |