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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 | $26,776 | $58,587-54.3% | $83,322-67.9% | $64,173-58.3% |
| Participation rate | 47.7% | 72.0%-24.3pp | 77.8%-30.0pp | 69.6%-21.8pp |
| Annual return | -6.38% | 9.65%-16.0pp | 10.64%-17.0pp | 7.63%-14.0pp |
| Employer contribution / active EE | $4,473 | $2,098+113.2% | $3,379+32.4% | $2,381+87.9% |
| Participant deferral / active EE | $938 | $4,654-79.8% | $5,565-83.1% | $3,470-73.0% |
| Admin fee / account holder | $8,983 | $9,279-3.2% | $7,540+19.1% | $4,887+83.8% |