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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 | $47,287 | $102,429-53.8% | $147,096-67.9% | $80,925-41.6% |
| Participation rate | 43.6% | 75.9%-32.3pp | 82.2%-38.6pp | 67.7%-24.1pp |
| Annual return | 11.98% | 135.02%-123.0pp | 419.75%-407.8pp | 35.65%-23.7pp |
| Employer contribution / active EE | $851 | $3,716-77.1% | $4,936-82.8% | $2,756-69.1% |
| Participant deferral / active EE | $3,455 | $6,649-48.0% | $8,071-57.2% | $4,299-19.6% |
| Admin fee / account holder | $1,155 | $7,957-85.5% | $13,005-91.1% | $6,940-83.4% |