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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 | $79,835 | $65,453+22.0% | $86,698-7.9% | $66,938+19.3% |
| Participation rate | 28.6% | 75.5%-46.9pp | 76.6%-48.0pp | 69.8%-41.2pp |
| Annual return | -14.10% | -10.89%-3.2pp | 35.95%-50.0pp | 1.58%-15.7pp |
| Employer contribution / active EE | $972 | $2,154-54.9% | $2,837-65.7% | $2,545-61.8% |
| Participant deferral / active EE | $1,979 | $4,102-51.7% | $4,656-57.5% | $4,238-53.3% |
| Admin fee / account holder | $29,365 | $642+4475.2% | $7,493+291.9% | $594+4847.7% |