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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 | $47,067 | $62,589-24.8% | $76,768-38.7% | $64,173-26.7% |
| Participation rate | 41.2% | 72.8%-31.6pp | 77.0%-35.8pp | 69.6%-28.4pp |
| Annual return | -4.43% | -1.95%-2.5pp | 2.43%-6.9pp | 7.63%-12.1pp |
| Employer contribution / active EE | $674 | $1,832-63.2% | $2,485-72.9% | $2,381-71.7% |
| Participant deferral / active EE | $1,373 | $3,145-56.3% | $3,852-64.3% | $3,470-60.4% |
| Admin fee / account holder | $7,195 | $4,667+54.2% | $6,675+7.8% | $4,887+47.2% |