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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 | $236,959 | $81,504+190.7% | $102,437+131.3% | $80,959+192.7% |
| Participation rate | 22.6% | 66.9%-44.3pp | 74.5%-51.9pp | 67.7%-45.1pp |
| Annual return | 18.41% | 25.60%-7.2pp | 24.95%-6.5pp | 35.67%-17.3pp |
| Employer contribution / active EE | $417 | $3,104-86.6% | $3,871-89.2% | $2,757-84.9% |
| Participant deferral / active EE | $1,667 | $3,871-56.9% | $5,060-67.1% | $4,300-61.2% |
| Admin fee / account holder | $13,095 | $6,719+94.9% | $8,388+56.1% | $6,925+89.1% |