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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 | $27,966 | $62,583-55.3% | $76,767-63.6% | $64,173-56.4% |
| Participation rate | 35.5% | 72.8%-37.3pp | 77.0%-41.4pp | 69.6%-34.0pp |
| Annual return | -7.50% | -1.95%-5.6pp | 2.43%-9.9pp | 7.63%-15.1pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,237 | $3,145-60.7% | $3,852-67.9% | $3,470-64.4% |
| Admin fee / account holder | $3,017 | $4,667-35.4% | $6,675-54.8% | $4,887-38.3% |