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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 | $45,959 | $69,977-34.3% | $108,582-57.7% | $62,881-26.9% |
| Participation rate | 58.3% | 72.9%-14.6pp | 79.6%-21.2pp | 69.3%-11.0pp |
| Annual return | 5.80% | 10.73%-4.9pp | -51.70%+57.5pp | 20.14%-14.3pp |
| Employer contribution / active EE | $507 | $2,135-76.2% | $3,758-86.5% | $2,281-77.8% |
| Participant deferral / active EE | $990 | $3,165-68.7% | $4,311-77.0% | $3,203-69.1% |
| Admin fee / account holder | $1,672 | $5,076-67.1% | $7,645-78.1% | $4,296-61.1% |