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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 | $23,205 | $53,596-56.7% | $90,657-74.4% | $64,173-63.8% |
| Participation rate | 39.4% | 64.5%-25.1pp | 74.0%-34.6pp | 69.6%-30.2pp |
| Annual return | -4.58% | 4.41%-9.0pp | 1.89%-6.5pp | 7.63%-12.2pp |
| Employer contribution / active EE | $521 | $1,503-65.3% | $2,532-79.4% | $2,381-78.1% |
| Participant deferral / active EE | $829 | $2,459-66.3% | $3,424-75.8% | $3,470-76.1% |
| Admin fee / account holder | $3,662 | $3,868-5.3% | $4,994-26.7% | $4,887-25.1% |