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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 | $42,944 | $69,977-38.6% | $108,582-60.4% | $62,881-31.7% |
| Participation rate | 30.8% | 72.9%-42.1pp | 79.6%-48.8pp | 69.3%-38.5pp |
| Annual return | 6.44% | 10.73%-4.3pp | -51.70%+58.1pp | 20.14%-13.7pp |
| Employer contribution / active EE | $504 | $2,135-76.4% | $3,758-86.6% | $2,281-77.9% |
| Participant deferral / active EE | $796 | $3,165-74.9% | $4,311-81.5% | $3,203-75.2% |
| Admin fee / account holder | $2,558 | $5,076-49.6% | $7,645-66.5% | $4,296-40.5% |