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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 | $53,134 | $75,962-30.1% | $154,111-65.5% | $64,173-17.2% |
| Participation rate | 44.0% | 70.4%-26.4pp | 83.0%-39.0pp | 69.6%-25.6pp |
| Annual return | -3.43% | 30.32%-33.7pp | 735.18%-738.6pp | 7.63%-11.1pp |
| Employer contribution / active EE | $300 | $3,350-91.0% | $5,298-94.3% | $2,381-87.4% |
| Participant deferral / active EE | $3,321 | $3,175+4.6% | $5,081-34.6% | $3,470-4.3% |
| Admin fee / account holder | $923 | $5,589-83.5% | $13,411-93.1% | $4,887-81.1% |