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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 | $38,008 | $47,944-20.7% | $67,834-44.0% | $62,881-39.6% |
| Participation rate | 34.3% | 61.1%-26.8pp | 68.8%-34.5pp | 69.3%-35.0pp |
| Annual return | 6.15% | 11.77%-5.6pp | 138.47%-132.3pp | 20.14%-14.0pp |
| Employer contribution / active EE | $1,303 | $1,562-16.6% | $2,403-45.8% | $2,281-42.9% |
| Participant deferral / active EE | $144 | $2,247-93.6% | $3,160-95.5% | $3,203-95.5% |
| Admin fee / account holder | $7,054 | $3,712+90.0% | $4,622+52.6% | $4,296+64.2% |