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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 | $31,849 | $73,009-56.4% | $90,756-64.9% | $68,495-53.5% |
| Participation rate | 45.3% | 70.8%-25.5pp | 75.7%-30.4pp | 67.9%-22.6pp |
| Annual return | -5.16% | -13.81%+8.7pp | -12.16%+7.0pp | -7.84%+2.7pp |
| Employer contribution / active EE | $928 | $2,193-57.7% | $2,922-68.2% | $2,596-64.3% |
| Participant deferral / active EE | $1,267 | $3,626-65.1% | $4,565-72.3% | $4,028-68.6% |
| Admin fee / account holder | $3,830 | $5,896-35.0% | $8,445-54.6% | $5,403-29.1% |