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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 | $53,994 | $77,817-30.6% | $123,553-56.3% | $64,173-15.9% |
| Participation rate | 35.4% | 74.7%-39.3pp | 82.3%-46.9pp | 69.6%-34.2pp |
| Annual return | -3.61% | 12.49%-16.1pp | 119.21%-122.8pp | 7.63%-11.2pp |
| Employer contribution / active EE | $632 | $3,014-79.0% | $4,628-86.3% | $2,381-73.5% |
| Participant deferral / active EE | $1,743 | $5,240-66.7% | $6,426-72.9% | $3,470-49.8% |
| Admin fee / account holder | $13,041 | $5,519+136.3% | $9,284+40.5% | $4,887+166.8% |