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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 | $45,513 | $102,422-55.6% | $147,117-69.1% | $80,959-43.8% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 18.82% | 135.16%-116.3pp | 420.54%-401.7pp | 35.67%-16.9pp |
| Employer contribution / active EE | $248 | $3,717-93.3% | $4,932-95.0% | $2,757-91.0% |
| Participant deferral / active EE | $5,993 | $6,652-9.9% | $8,065-25.7% | $4,300+39.4% |
| Admin fee / account holder | $7,028 | $7,953-11.6% | $12,993-45.9% | $6,925+1.5% |