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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 | $39,870 | $72,404-44.9% | $110,243-63.8% | $64,173-37.9% |
| Participation rate | 50.6% | 73.3%-22.8pp | 79.8%-29.2pp | 69.6%-19.0pp |
| Annual return | 0.59% | -6.29%+6.9pp | 314.76%-314.2pp | 7.63%-7.0pp |
| Employer contribution / active EE | $588 | $2,282-74.2% | $3,827-84.6% | $2,381-75.3% |
| Participant deferral / active EE | $1,542 | $3,469-55.5% | $4,672-67.0% | $3,470-55.5% |
| Admin fee / account holder | $6,122 | $5,664+8.1% | $8,548-28.4% | $4,887+25.3% |