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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 | $39,129 | $69,012-43.3% | $160,009-75.5% | $68,486-42.9% |
| Participation rate | 68.0% | 65.4%+2.6pp | 78.0%-10.0pp | 67.9%+0.1pp |
| Annual return | -12.58% | -9.65%-2.9pp | 408.85%-421.4pp | -7.85%-4.7pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,225-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,099 | $4,212-73.9% | $6,183-82.2% | $4,028-72.7% |
| Admin fee / account holder | $784 | $4,798-83.7% | $8,715-91.0% | $5,404-85.5% |