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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 | $201,174 | $71,208+182.5% | $93,681+114.7% | $80,911+148.6% |
| Participation rate | 40.6% | 60.4%-19.8pp | 68.7%-28.1pp | 67.6%-27.0pp |
| Annual return | 18.77% | 11.27%+7.5pp | 133.47%-114.7pp | 35.63%-16.9pp |
| Employer contribution / active EE | $345 | $1,564-78.0% | $2,422-85.8% | $2,756-87.5% |
| Participant deferral / active EE | $2,093 | $4,035-48.1% | $4,415-52.6% | $4,297-51.3% |
| Admin fee / account holder | $46,576 | $6,951+570.1% | $8,290+461.8% | $6,935+571.6% |