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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 | $46,953 | $57,352-18.1% | $83,830-44.0% | $64,173-26.8% |
| Participation rate | 35.7% | 68.6%-32.9pp | 76.1%-40.4pp | 69.6%-33.9pp |
| Annual return | -6.17% | 11.38%-17.6pp | 850.97%-857.1pp | 7.63%-13.8pp |
| Employer contribution / active EE | $414 | $2,546-83.7% | $3,631-88.6% | $2,381-82.6% |
| Participant deferral / active EE | $1,658 | $2,993-44.6% | $4,082-59.4% | $3,470-52.2% |
| Admin fee / account holder | $4,257 | $4,046+5.2% | $5,479-22.3% | $4,887-12.9% |