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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 | $27,496 | $54,320-49.4% | $67,653-59.4% | $52,331-47.5% |
| Participation rate | 40.4% | 73.6%-33.2pp | 75.7%-35.3pp | 68.1%-27.8pp |
| Annual return | -0.62% | 6.81%-7.4pp | 6625.22%-6625.8pp | 4.54%-5.2pp |
| Employer contribution / active EE | $750 | $1,544-51.4% | $2,266-66.9% | $1,882-60.2% |
| Participant deferral / active EE | $1,314 | $2,950-55.4% | $3,560-63.1% | $3,022-56.5% |
| Admin fee / account holder | $3,007 | $527+471.0% | $4,821-37.6% | $592+408.2% |