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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 | $27,760 | $42,383-34.5% | $76,518-63.7% | $64,173-56.7% |
| Participation rate | 55.1% | 58.1%-3.0pp | 68.0%-12.9pp | 69.6%-14.4pp |
| Annual return | 7.75% | -16.54%+24.3pp | -0.27%+8.0pp | 7.63%+0.1pp |
| Employer contribution / active EE | $1,174 | $1,563-24.9% | $2,647-55.7% | $2,381-50.7% |
| Participant deferral / active EE | $2 | $2,566-99.9% | $3,836-100.0% | $3,470-100.0% |
| Admin fee / account holder | $4,599 | $3,198+43.8% | $4,849-5.2% | $4,887-5.9% |