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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 | $96,252 | $56,339+70.8% | $104,299-7.7% | $68,490+40.5% |
| Participation rate | 44.2% | 63.3%-19.1pp | 73.3%-29.1pp | 67.9%-23.7pp |
| Annual return | -14.06% | -9.19%-4.9pp | 24.62%-38.7pp | -7.85%-6.2pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $3,373-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,534 | $3,077+47.3% | $4,626-2.0% | $4,028+12.6% |
| Admin fee / account holder | $22,927 | $4,902+367.7% | $7,339+212.4% | $5,403+324.3% |