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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 | $49,705 | $62,583-20.6% | $76,767-35.3% | $64,173-22.5% |
| Participation rate | 31.0% | 72.8%-41.9pp | 77.0%-46.0pp | 69.6%-38.6pp |
| Annual return | -5.83% | -1.95%-3.9pp | 2.43%-8.3pp | 7.63%-13.5pp |
| Employer contribution / active EE | $478 | $1,832-73.9% | $2,485-80.8% | $2,381-79.9% |
| Participant deferral / active EE | $878 | $3,145-72.1% | $3,852-77.2% | $3,470-74.7% |
| Admin fee / account holder | $384 | $4,667-91.8% | $6,675-94.2% | $4,887-92.1% |