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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 | $68,955 | $67,411+2.3% | $91,004-24.2% | $70,126-1.7% |
| Participation rate | 41.9% | 71.4%-29.4pp | 75.6%-33.7pp | 69.5%-27.6pp |
| Annual return | 15.24% | -40.16%+55.4pp | 4.60%+10.6pp | 73.15%-57.9pp |
| Employer contribution / active EE | $689 | $1,786-61.4% | $2,456-71.9% | $2,343-70.6% |
| Participant deferral / active EE | $838 | $2,823-70.3% | $3,548-76.4% | $3,332-74.8% |
| Admin fee / account holder | $3,185 | $4,236-24.8% | $5,417-41.2% | $4,645-31.4% |