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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 | $40,832 | $73,863-44.7% | $143,797-71.6% | $68,490-40.4% |
| Participation rate | 6.7% | 66.7%-60.0pp | 80.3%-73.7pp | 67.9%-61.2pp |
| Annual return | -17.78% | 0.91%-18.7pp | -0.04%-17.7pp | -7.85%-9.9pp |
| Employer contribution / active EE | $281 | $3,185-91.2% | $4,952-94.3% | $2,597-89.2% |
| Participant deferral / active EE | $1,092 | $3,385-67.7% | $5,638-80.6% | $4,028-72.9% |
| Admin fee / account holder | $836 | $5,756-85.5% | $14,679-94.3% | $5,403-84.5% |