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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 | $26,934 | $46,689-42.3% | $117,498-77.1% | $68,495-60.7% |
| Participation rate | 18.5% | 56.8%-38.3pp | 70.6%-52.1pp | 67.9%-49.4pp |
| Annual return | -13.96% | -14.52%+0.6pp | 29.75%-43.7pp | -7.84%-6.1pp |
| Employer contribution / active EE | $409 | $1,505-72.8% | $4,178-90.2% | $2,596-84.3% |
| Participant deferral / active EE | $691 | $2,637-73.8% | $4,071-83.0% | $4,028-82.8% |
| Admin fee / account holder | $9,203 | $4,021+128.9% | $5,646+63.0% | $5,403+70.3% |