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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 | $43,176 | $68,996-37.4% | $159,991-73.0% | $68,495-37.0% |
| Participation rate | 41.4% | 65.4%-24.0pp | 78.0%-36.6pp | 67.9%-26.5pp |
| Annual return | -18.54% | -9.65%-8.9pp | 408.82%-427.4pp | -7.84%-10.7pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,225-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,314 | $4,211-45.1% | $6,183-62.6% | $4,028-42.6% |
| Admin fee / account holder | $1,042 | $4,797-78.3% | $8,715-88.0% | $5,403-80.7% |