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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 | $118,077 | $99,652+18.5% | $78,778+49.9% | $147,586-20.0% |
| Participation rate | 50.0% | 76.2%-26.2pp | 69.2%-19.2pp | 82.8%-32.8pp |
| Annual return | 22.62% | 47.28%-24.7pp | 35.62%-13.0pp | 578.59%-556.0pp |
| Employer contribution / active EE | $134 | $2,796-95.2% | $1,986-93.2% | $4,876-97.2% |
| Participant deferral / active EE | $3,459 | $3,664-5.6% | $2,958+16.9% | $5,439-36.4% |
| Admin fee / account holder | $967 | $7,155-86.5% | $5,134-81.2% | $10,886-91.1% |