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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $36,746 | $43,730-16.0% | $121,220-69.7% | $64,173-42.7% |
| Participation rate | 17.6% | 58.3%-40.7pp | 71.8%-54.1pp | 69.6%-51.9pp |
| Annual return | -4.52% | 68.94%-73.5pp | 16.94%-21.5pp | 7.63%-12.2pp |
| Employer contribution / active EE | $396 | $1,297-69.4% | $4,023-90.1% | $2,381-83.4% |
| Participant deferral / active EE | $624 | $2,281-72.6% | $3,345-81.3% | $3,470-82.0% |
| Admin fee / account holder | $11,212 | $3,502+220.1% | $5,021+123.3% | $4,887+129.4% |