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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 | $36,936 | $67,411-45.2% | $91,004-59.4% | $70,126-47.3% |
| Participation rate | 18.8% | 71.4%-52.6pp | 75.6%-56.9pp | 69.5%-50.8pp |
| Annual return | 16.43% | -40.16%+56.6pp | 4.60%+11.8pp | 73.15%-56.7pp |
| Employer contribution / active EE | $412 | $1,786-76.9% | $2,456-83.2% | $2,343-82.4% |
| Participant deferral / active EE | $1,031 | $2,823-63.5% | $3,548-70.9% | $3,332-69.1% |
| Admin fee / account holder | $387 | $4,236-90.9% | $5,417-92.9% | $4,645-91.7% |