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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 | $61,125-53.1% | $94,057-69.5% | $87,485-67.3% |
| Participation rate | 41.3% | 64.1%-22.8pp | 73.3%-32.1pp | 68.9%-27.7pp |
| Annual return | 16.03% | 35.20%-19.2pp | 480.62%-464.6pp | 26.06%-10.0pp |
| Employer contribution / active EE | $0 | $2,136-100.0% | $2,933-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,461 | $3,260-24.5% | $4,709-47.8% | $4,274-42.4% |
| Admin fee / account holder | $5,154 | $5,629-8.4% | $7,244-28.9% | $7,775-33.7% |