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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 | $76,977 | $62,586+23.0% | $76,766+0.3% | $64,181+19.9% |
| Participation rate | 57.1% | 72.8%-15.7pp | 77.0%-19.8pp | 69.6%-12.4pp |
| Annual return | -7.48% | -1.95%-5.5pp | 2.43%-9.9pp | 7.63%-15.1pp |
| Employer contribution / active EE | $475 | $1,832-74.1% | $2,485-80.9% | $2,381-80.0% |
| Participant deferral / active EE | $1,347 | $3,145-57.2% | $3,851-65.0% | $3,470-61.2% |
| Admin fee / account holder | $3,041 | $4,667-34.8% | $6,675-54.4% | $4,887-37.8% |