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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 | $204,038 | $65,027+213.8% | $90,970+124.3% | $79,852+155.5% |
| Participation rate | 53.8% | 61.6%-7.8pp | 69.0%-15.2pp | 69.6%-15.8pp |
| Annual return | 23.07% | 30.45%-7.4pp | 134.58%-111.5pp | 31.72%-8.6pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,660 | $2,512+5.9% | $3,373-21.1% | $3,740-28.9% |
| Admin fee / account holder | $48,213 | $4,535+963.1% | $5,960+708.9% | $5,306+808.6% |