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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 | $31,691 | $42,917-26.2% | $60,899-48.0% | $68,495-53.7% |
| Participation rate | 69.4% | 66.8%+2.7pp | 73.1%-3.7pp | 67.9%+1.6pp |
| Annual return | -15.01% | -13.99%-1.0pp | 16.92%-31.9pp | -7.84%-7.2pp |
| Employer contribution / active EE | $550 | $1,979-72.2% | $2,702-79.6% | $2,596-78.8% |
| Participant deferral / active EE | $413 | $2,867-85.6% | $3,817-89.2% | $4,028-89.7% |
| Admin fee / account holder | $304 | $3,102-90.2% | $3,225-90.6% | $5,403-94.4% |