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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 | $56,024 | $102,429-45.3% | $147,096-61.9% | $80,925-30.8% |
| Participation rate | 40.5% | 75.9%-35.3pp | 82.2%-41.6pp | 67.7%-27.1pp |
| Annual return | 15.17% | 135.02%-119.9pp | 419.75%-404.6pp | 35.65%-20.5pp |
| Employer contribution / active EE | $125 | $3,716-96.6% | $4,936-97.5% | $2,756-95.5% |
| Participant deferral / active EE | $8,683 | $6,649+30.6% | $8,071+7.6% | $4,299+102.0% |
| Admin fee / account holder | $7,224 | $7,957-9.2% | $13,005-44.5% | $6,940+4.1% |