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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 | $28,640 | $65,034-56.0% | $90,970-68.5% | $79,856-64.1% |
| Participation rate | 54.5% | 61.6%-7.1pp | 69.0%-14.5pp | 69.6%-15.1pp |
| Annual return | 16.46% | 30.45%-14.0pp | 134.60%-118.1pp | 31.71%-15.3pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,090 | $2,512+23.0% | $3,373-8.4% | $3,741-17.4% |
| Admin fee / account holder | $1,117 | $4,536-75.4% | $5,961-81.3% | $5,306-78.9% |