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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 | $52,449 | $53,412-1.8% | $68,509-23.4% | $52,331+0.2% |
| Participation rate | 27.5% | 71.7%-44.2pp | 74.7%-47.3pp | 68.1%-40.6pp |
| Annual return | -1.22% | 3.42%-4.6pp | 8.27%-9.5pp | 4.54%-5.8pp |
| Employer contribution / active EE | $555 | $1,607-65.4% | $2,278-75.6% | $1,882-70.5% |
| Participant deferral / active EE | $773 | $2,688-71.2% | $3,382-77.1% | $3,022-74.4% |
| Admin fee / account holder | $1,667 | $461+261.7% | $5,275-68.4% | $592+181.8% |