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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 | $34,896 | $53,837-35.2% | $75,717-53.9% | $85,856-59.4% |
| Participation rate | 46.2% | 69.1%-22.9pp | 74.8%-28.7pp | 69.3%-23.2pp |
| Annual return | 25.14% | 24.54%+0.6pp | 104.58%-79.4pp | 318.58%-293.4pp |
| Employer contribution / active EE | $4 | $2,017-99.8% | $2,743-99.8% | $2,565-99.8% |
| Participant deferral / active EE | $2,479 | $2,895-14.4% | $3,821-35.1% | $3,952-37.3% |
| Admin fee / account holder | $6,467 | $3,341+93.5% | $3,619+78.7% | $6,261+3.3% |