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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 | $64,411 | $64,719-0.5% | $112,249-42.6% | $68,486-5.9% |
| Participation rate | 31.7% | 67.2%-35.4pp | 75.1%-43.4pp | 67.9%-36.2pp |
| Annual return | -13.90% | -11.40%-2.5pp | 27.48%-41.4pp | -7.85%-6.0pp |
| Employer contribution / active EE | $928 | $2,747-66.2% | $3,636-74.5% | $2,597-64.3% |
| Participant deferral / active EE | $989 | $3,565-72.3% | $4,729-79.1% | $4,028-75.4% |
| Admin fee / account holder | $5,136 | $5,232-1.8% | $6,412-19.9% | $5,404-5.0% |