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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 | $119,703 | $57,352+108.7% | $83,831+42.8% | $64,173+86.5% |
| Participation rate | 45.6% | 68.6%-23.0pp | 76.1%-30.6pp | 69.6%-24.0pp |
| Annual return | -6.26% | 11.38%-17.6pp | 850.99%-857.2pp | 7.63%-13.9pp |
| Employer contribution / active EE | $386 | $2,546-84.8% | $3,631-89.4% | $2,381-83.8% |
| Participant deferral / active EE | $2,244 | $2,993-25.0% | $4,082-45.0% | $3,470-35.3% |
| Admin fee / account holder | $13,331 | $4,046+229.5% | $5,479+143.3% | $4,887+172.8% |