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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 | $26,740 | $61,660-56.6% | $80,022-66.6% | $64,173-58.3% |
| Participation rate | 64.9% | 71.7%-6.8pp | 75.8%-11.0pp | 69.6%-4.7pp |
| Annual return | -7.00% | -0.33%-6.7pp | 11.22%-18.2pp | 7.63%-14.6pp |
| Employer contribution / active EE | $1,198 | $1,810-33.8% | $2,468-51.4% | $2,381-49.7% |
| Participant deferral / active EE | $816 | $2,968-72.5% | $3,686-77.9% | $3,470-76.5% |
| Admin fee / account holder | $609 | $5,417-88.8% | $6,521-90.7% | $4,887-87.5% |