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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 | $34,977 | $62,586-44.1% | $76,766-54.4% | $64,181-45.5% |
| Participation rate | 50.0% | 72.8%-22.8pp | 77.0%-27.0pp | 69.6%-19.6pp |
| Annual return | -5.30% | -1.95%-3.4pp | 2.43%-7.7pp | 7.63%-12.9pp |
| Employer contribution / active EE | $568 | $1,832-69.0% | $2,485-77.2% | $2,381-76.2% |
| Participant deferral / active EE | $1,264 | $3,145-59.8% | $3,851-67.2% | $3,470-63.6% |
| Admin fee / account holder | $5,966 | $4,667+27.8% | $6,675-10.6% | $4,887+22.1% |