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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 | $64,448 | $78,690-18.1% | $161,489-60.1% | $87,485-26.3% |
| Participation rate | 61.1% | 67.5%-6.4pp | 78.7%-17.6pp | 68.9%-7.8pp |
| Annual return | 13.23% | 32.74%-19.5pp | 89.72%-76.5pp | 26.06%-12.8pp |
| Employer contribution / active EE | $56 | $2,588-97.9% | $4,268-98.7% | $2,596-97.9% |
| Participant deferral / active EE | $3,131 | $3,311-5.4% | $5,630-44.4% | $4,274-26.7% |
| Admin fee / account holder | $1,379 | $6,724-79.5% | $16,006-91.4% | $7,775-82.3% |