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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 | $49,071 | $77,817-36.9% | $123,553-60.3% | $64,173-23.5% |
| Participation rate | 35.5% | 74.7%-39.2pp | 82.3%-46.8pp | 69.6%-34.0pp |
| Annual return | -7.71% | 12.49%-20.2pp | 119.21%-126.9pp | 7.63%-15.3pp |
| Employer contribution / active EE | $632 | $3,014-79.0% | $4,628-86.4% | $2,381-73.5% |
| Participant deferral / active EE | $1,444 | $5,240-72.4% | $6,426-77.5% | $3,470-58.4% |
| Admin fee / account holder | $1,686 | $5,519-69.5% | $9,284-81.8% | $4,887-65.5% |