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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 | $57,645 | $103,949-44.5% | $69,182-16.7% | $273,972-79.0% |
| Participation rate | 62.5% | 67.4%-4.9pp | 55.1%+7.4pp | 83.0%-20.5pp |
| Annual return | 1.97% | 35.28%-33.3pp | -21.93%+23.9pp | 41.46%-39.5pp |
| Employer contribution / active EE | $1,000 | $1,783-43.9% | $1,206-17.1% | $4,869-79.5% |
| Participant deferral / active EE | $0 | $2,716-100.0% | $1,897-100.0% | $5,287-100.0% |
| Admin fee / account holder | $424 | $3,671-88.4% | $2,697-84.3% | $10,133-95.8% |