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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 | $37,954 | $39,028-2.8% | $80,741-53.0% | $85,847-55.8% |
| Participation rate | 43.2% | 41.6%+1.7pp | 54.2%-10.9pp | 69.3%-26.1pp |
| Annual return | 13.03% | 26.31%-13.3pp | 87.30%-74.3pp | 318.61%-305.6pp |
| Employer contribution / active EE | $0 | $722-100.0% | $1,160-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,260 | $1,326-5.0% | $2,145-41.3% | $3,952-68.1% |
| Admin fee / account holder | $1,055 | $2,429-56.6% | $3,380-68.8% | $6,261-83.2% |