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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 | $31,555 | $75,541-58.2% | $152,093-79.3% | $82,637-61.8% |
| Participation rate | 28.1% | 66.5%-38.5pp | 77.8%-49.7pp | 68.1%-40.0pp |
| Annual return | 72.12% | 32.56%+39.6pp | 66.36%+5.8pp | 53.51%+18.6pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,798 | $3,206-43.9% | $5,451-67.0% | $4,126-56.4% |
| Admin fee / account holder | $806 | $6,405-87.4% | $14,497-94.4% | $7,339-89.0% |