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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 | $48,921 | $41,016+19.3% | $152,093-67.8% | $64,097-23.7% |
| Participation rate | 14.5% | 51.3%-36.8pp | 77.8%-63.3pp | 55.2%-40.7pp |
| Annual return | 13.06% | 39.60%-26.5pp | 66.36%-53.3pp | 34.64%-21.6pp |
| Employer contribution / active EE | $347 | $1,342-74.1% | $4,175-91.7% | $1,891-81.7% |
| Participant deferral / active EE | $541 | $1,927-72.0% | $5,451-90.1% | $3,080-82.4% |
| Admin fee / account holder | $358 | $2,305-84.5% | $14,497-97.5% | $3,454-89.6% |