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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 | $42,367 | $71,230-40.5% | $93,727-54.8% | $80,959-47.7% |
| Participation rate | 27.9% | 60.4%-32.5pp | 68.7%-40.8pp | 67.7%-39.8pp |
| Annual return | 16.25% | 11.26%+5.0pp | 133.83%-117.6pp | 35.67%-19.4pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,977 | $4,037-26.3% | $4,417-32.6% | $4,300-30.8% |
| Admin fee / account holder | $1,722 | $6,961-75.3% | $8,292-79.2% | $6,925-75.1% |