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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 | $28,646 | $51,638-44.5% | $68,368-58.1% | $82,448-65.3% |
| Participation rate | 41.3% | 63.6%-22.4pp | 73.8%-32.5pp | 68.1%-26.8pp |
| Annual return | 16.03% | 37.53%-21.5pp | 292.57%-276.5pp | 41.64%-25.6pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,461 | $2,914-15.5% | $4,123-40.3% | $4,139-40.6% |
| Admin fee / account holder | $5,154 | $4,643+11.0% | $5,150+0.1% | $7,234-28.8% |