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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 | $47,223 | $52,911-10.7% | $73,309-35.6% | $59,633-20.8% |
| Participation rate | 58.1% | 68.2%-10.2pp | 74.9%-16.8pp | 68.7%-10.6pp |
| Annual return | -1.13% | 12.20%-13.3pp | 5.67%-6.8pp | 2041.45%-2042.6pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,767 | $4,069-7.4% | $4,991-24.5% | $3,192+18.0% |
| Admin fee / account holder | $1,590 | $3,835-58.5% | $5,635-71.8% | $4,297-63.0% |