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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 | $70,624 | $56,484+25.0% | $169,452-58.3% | $64,173+10.1% |
| Participation rate | 31.6% | 64.5%-33.0pp | 77.8%-46.2pp | 69.6%-38.0pp |
| Annual return | -5.67% | -1.55%-4.1pp | 1.83%-7.5pp | 7.63%-13.3pp |
| Employer contribution / active EE | $493 | $1,832-73.1% | $4,157-88.1% | $2,381-79.3% |
| Participant deferral / active EE | $531 | $3,448-84.6% | $5,277-89.9% | $3,470-84.7% |
| Admin fee / account holder | $665 | $4,174-84.1% | $9,110-92.7% | $4,887-86.4% |