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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 | $104,307 | $52,678+98.0% | $75,784+37.6% | $59,633+74.9% |
| Participation rate | 44.4% | 67.2%-22.8pp | 75.8%-31.4pp | 68.7%-24.2pp |
| Annual return | 60.22% | 2.95%+57.3pp | 9.68%+50.5pp | 2041.45%-1981.2pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,948 | $2,591+13.8% | $3,652-19.3% | $3,192-7.6% |
| Admin fee / account holder | $27,915 | $3,610+673.3% | $5,300+426.7% | $4,297+549.7% |