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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 | $148,848 | $77,908+91.1% | $149,696-0.6% | $75,173+98.0% |
| Participation rate | 17.7% | 65.6%-47.8pp | 78.8%-61.0pp | 67.2%-49.5pp |
| Annual return | 21.84% | 31.73%-9.9pp | 134.46%-112.6pp | 160.72%-138.9pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,083 | $3,411-68.3% | $5,682-80.9% | $4,126-73.8% |
| Admin fee / account holder | $639 | $5,950-89.3% | $13,212-95.2% | $5,651-88.7% |