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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 | $172,219 | $93,345+84.5% | $119,126+44.6% | $87,485+96.9% |
| Participation rate | 28.6% | 68.7%-40.2pp | 75.8%-47.2pp | 68.9%-40.4pp |
| Annual return | 12.40% | 19.08%-6.7pp | 282.11%-269.7pp | 26.06%-13.7pp |
| Employer contribution / active EE | $746 | $3,172-76.5% | $4,034-81.5% | $2,596-71.3% |
| Participant deferral / active EE | $2,454 | $4,099-40.1% | $5,318-53.9% | $4,274-42.6% |
| Admin fee / account holder | $12,295 | $8,039+53.0% | $10,693+15.0% | $7,775+58.1% |