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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 | $46,222 | $39,798+16.1% | $67,711-31.7% | $59,632-22.5% |
| Participation rate | 39.6% | 57.4%-17.8pp | 67.5%-27.9pp | 68.7%-29.1pp |
| Annual return | -2.90% | 89.94%-92.8pp | 25.41%-28.3pp | 2041.32%-2044.2pp |
| Employer contribution / active EE | $0 | $1,393-100.0% | $2,559-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,027 | $2,335-13.2% | $3,585-43.5% | $3,192-36.5% |
| Admin fee / account holder | $368 | $3,212-88.5% | $4,255-91.3% | $4,297-91.4% |