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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 | $59,756 | $67,411-11.4% | $91,004-34.3% | $70,124-14.8% |
| Participation rate | 29.4% | 71.4%-42.0pp | 75.6%-46.2pp | 69.5%-40.1pp |
| Annual return | 16.26% | -40.16%+56.4pp | 4.60%+11.7pp | 73.14%-56.9pp |
| Employer contribution / active EE | $605 | $1,786-66.1% | $2,456-75.4% | $2,342-74.2% |
| Participant deferral / active EE | $831 | $2,823-70.6% | $3,548-76.6% | $3,332-75.1% |
| Admin fee / account holder | $640 | $4,236-84.9% | $5,417-88.2% | $4,645-86.2% |