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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 | $26,291 | $43,730-39.9% | $121,220-78.3% | $64,173-59.0% |
| Participation rate | 37.9% | 58.3%-20.4pp | 71.8%-33.8pp | 69.6%-31.6pp |
| Annual return | -7.47% | 68.94%-76.4pp | 16.94%-24.4pp | 7.63%-15.1pp |
| Employer contribution / active EE | $0 | $1,297-100.0% | $4,023-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,132 | $2,281-50.4% | $3,345-66.2% | $3,470-67.4% |
| Admin fee / account holder | $4,230 | $3,502+20.8% | $5,021-15.8% | $4,887-13.5% |