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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 | $35,630 | $77,816-54.2% | $123,552-71.2% | $64,173-44.5% |
| Participation rate | 38.2% | 74.7%-36.6pp | 82.3%-44.1pp | 69.6%-31.4pp |
| Annual return | -6.05% | 12.49%-18.5pp | 119.20%-125.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $1,056 | $3,014-65.0% | $4,628-77.2% | $2,381-55.7% |
| Participant deferral / active EE | $2,109 | $5,240-59.7% | $6,426-67.2% | $3,470-39.2% |
| Admin fee / account holder | $608 | $5,519-89.0% | $9,285-93.5% | $4,887-87.6% |