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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 | $41,484 | $77,816-46.7% | $123,552-66.4% | $64,173-35.4% |
| Participation rate | 54.4% | 74.7%-20.3pp | 82.3%-27.9pp | 69.6%-15.2pp |
| Annual return | -5.99% | 12.49%-18.5pp | 119.20%-125.2pp | 7.63%-13.6pp |
| Employer contribution / active EE | $1,225 | $3,014-59.3% | $4,628-73.5% | $2,381-48.5% |
| Participant deferral / active EE | $1,960 | $5,240-62.6% | $6,426-69.5% | $3,470-43.5% |
| Admin fee / account holder | $3,045 | $5,519-44.8% | $9,285-67.2% | $4,887-37.7% |