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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 | $41,558 | $46,534-10.7% | $64,097-35.2% | $75,177-44.7% |
| Participation rate | 39.3% | 65.9%-26.7pp | 72.3%-33.0pp | 67.2%-27.9pp |
| Annual return | 17.49% | 26.07%-8.6pp | 33.75%-16.3pp | 160.75%-143.3pp |
| Employer contribution / active EE | $669 | $1,976-66.2% | $2,750-75.7% | $2,671-75.0% |
| Participant deferral / active EE | $643 | $2,835-77.3% | $3,881-83.4% | $4,126-84.4% |
| Admin fee / account holder | $2,111 | $2,957-28.6% | $3,070-31.2% | $5,651-62.6% |