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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 | $28,580 | $51,226-44.2% | $82,744-65.5% | $66,938-57.3% |
| Participation rate | 47.0% | 67.9%-20.9pp | 72.6%-25.6pp | 69.8%-22.8pp |
| Annual return | -10.43% | -9.61%-0.8pp | 702.22%-712.6pp | 1.58%-12.0pp |
| Employer contribution / active EE | $581 | $2,612-77.8% | $3,008-80.7% | $2,545-77.2% |
| Participant deferral / active EE | $644 | $3,460-81.4% | $4,395-85.4% | $4,238-84.8% |
| Admin fee / account holder | $3,702 | $416+790.9% | $5,325-30.5% | $594+523.7% |