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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 | $108,987 | $77,816+40.1% | $123,552-11.8% | $64,173+69.8% |
| Participation rate | 37.8% | 74.7%-36.9pp | 82.3%-44.5pp | 69.6%-31.7pp |
| Annual return | -6.29% | 12.49%-18.8pp | 119.20%-125.5pp | 7.63%-13.9pp |
| Employer contribution / active EE | $964 | $3,014-68.0% | $4,628-79.2% | $2,381-59.5% |
| Participant deferral / active EE | $2,171 | $5,240-58.6% | $6,426-66.2% | $3,470-37.4% |
| Admin fee / account holder | $5,060 | $5,519-8.3% | $9,285-45.5% | $4,887+3.5% |