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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 | $22,207 | $49,976-55.6% | $66,674-66.7% | $82,637-73.1% |
| Participation rate | 20.3% | 63.1%-42.8pp | 73.7%-53.3pp | 68.1%-47.7pp |
| Annual return | 16.32% | 39.09%-22.8pp | 321.24%-304.9pp | 53.51%-37.2pp |
| Employer contribution / active EE | $289 | $1,988-85.5% | $2,620-89.0% | $2,552-88.7% |
| Participant deferral / active EE | $470 | $2,847-83.5% | $4,084-88.5% | $4,126-88.6% |
| Admin fee / account holder | $6,328 | $4,594+37.8% | $5,098+24.1% | $7,339-13.8% |