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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 | $39,488 | $65,027-39.3% | $90,970-56.6% | $79,852-50.5% |
| Participation rate | 35.9% | 61.6%-25.7pp | 69.0%-33.1pp | 69.6%-33.7pp |
| Annual return | 42.79% | 30.45%+12.3pp | 134.58%-91.8pp | 31.72%+11.1pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,135 | $2,512-15.0% | $3,373-36.7% | $3,740-42.9% |
| Admin fee / account holder | $2,735 | $4,535-39.7% | $5,960-54.1% | $5,306-48.4% |