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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 | $51,795 | $62,583-17.2% | $76,767-32.5% | $64,173-19.3% |
| Participation rate | 48.0% | 72.8%-24.8pp | 77.0%-29.0pp | 69.6%-21.6pp |
| Annual return | -5.75% | -1.95%-3.8pp | 2.43%-8.2pp | 7.63%-13.4pp |
| Employer contribution / active EE | $1,003 | $1,832-45.3% | $2,485-59.6% | $2,381-57.9% |
| Participant deferral / active EE | $1,269 | $3,145-59.7% | $3,852-67.1% | $3,470-63.4% |
| Admin fee / account holder | $408 | $4,667-91.3% | $6,675-93.9% | $4,887-91.7% |