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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 | $63,743 | $57,352+11.1% | $83,831-24.0% | $64,173-0.7% |
| Participation rate | 54.3% | 68.6%-14.3pp | 76.1%-21.9pp | 69.6%-15.3pp |
| Annual return | -5.64% | 11.38%-17.0pp | 850.99%-856.6pp | 7.63%-13.3pp |
| Employer contribution / active EE | $459 | $2,546-82.0% | $3,631-87.4% | $2,381-80.7% |
| Participant deferral / active EE | $2,386 | $2,993-20.3% | $4,082-41.6% | $3,470-31.2% |
| Admin fee / account holder | $21,649 | $4,046+435.1% | $5,479+295.1% | $4,887+343.0% |