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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 | $44,737 | $65,437-31.6% | $86,698-48.4% | $66,949-33.2% |
| Participation rate | 44.8% | 75.5%-30.7pp | 76.6%-31.8pp | 69.8%-25.1pp |
| Annual return | -0.46% | -10.91%+10.5pp | 35.96%-36.4pp | 1.57%-2.0pp |
| Employer contribution / active EE | $840 | $2,154-61.0% | $2,837-70.4% | $2,545-67.0% |
| Participant deferral / active EE | $1,970 | $4,102-52.0% | $4,656-57.7% | $4,239-53.5% |
| Admin fee / account holder | $7,221 | $642+1025.2% | $7,492-3.6% | $594+1116.5% |