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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 | $47,271 | $59,006-19.9% | $97,161-51.3% | $74,400-36.5% |
| Participation rate | 47.9% | 63.7%-15.9pp | 72.7%-24.8pp | 67.2%-19.4pp |
| Annual return | 16.20% | 16.04%+0.2pp | 75.36%-59.2pp | 1367.51%-1351.3pp |
| Employer contribution / active EE | $231 | $1,894-87.8% | $2,723-91.5% | $2,624-91.2% |
| Participant deferral / active EE | $1,379 | $3,671-62.4% | $4,265-67.7% | $4,348-68.3% |
| Admin fee / account holder | $1,554 | $1,974-21.3% | $5,647-72.5% | $1,944-20.1% |