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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 | $29,290 | $51,638-43.3% | $68,368-57.2% | $82,448-64.5% |
| Participation rate | 42.9% | 63.6%-20.8pp | 73.8%-30.9pp | 68.1%-25.2pp |
| Annual return | 14.40% | 37.53%-23.1pp | 292.57%-278.2pp | 41.64%-27.2pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,145 | $2,914+42.3% | $4,123+0.5% | $4,139+0.1% |
| Admin fee / account holder | $1,219 | $4,643-73.8% | $5,150-76.3% | $7,234-83.2% |