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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 | $41,772 | $55,930-25.3% | $76,089-45.1% | $80,925-48.4% |
| Participation rate | 54.5% | 62.1%-7.5pp | 69.1%-14.5pp | 67.7%-13.1pp |
| Annual return | 12.34% | 20.58%-8.2pp | 360.94%-348.6pp | 35.65%-23.3pp |
| Employer contribution / active EE | $0 | $1,866-100.0% | $2,690-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,430 | $3,051+12.4% | $4,259-19.5% | $4,299-20.2% |
| Admin fee / account holder | $1,051 | $5,241-80.0% | $6,418-83.6% | $6,940-84.9% |