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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 | $62,719 | $42,396+47.9% | $67,313-6.8% | $56,289+11.4% |
| Participation rate | 29.6% | 61.0%-31.4pp | 69.1%-39.5pp | 69.9%-40.2pp |
| Annual return | -1.50% | -36.63%+35.1pp | -4.08%+2.6pp | -9.96%+8.5pp |
| Employer contribution / active EE | $0 | $1,414-100.0% | $2,566-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $1,407 | $2,360-40.4% | $3,568-60.6% | $3,350-58.0% |
| Admin fee / account holder | $13,516 | $510+2552.3% | $4,507+199.9% | $521+2494.4% |