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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 | $64,489 | $78,428-17.8% | $95,960-32.8% | $79,852-19.2% |
| Participation rate | 42.9% | 73.5%-30.6pp | 77.1%-34.2pp | 69.6%-26.8pp |
| Annual return | 20.80% | 19.37%+1.4pp | 91.63%-70.8pp | 31.72%-10.9pp |
| Employer contribution / active EE | $759 | $1,945-61.0% | $2,541-70.1% | $2,471-69.3% |
| Participant deferral / active EE | $1,336 | $3,440-61.2% | $4,167-67.9% | $3,740-64.3% |
| Admin fee / account holder | $1,499 | $5,622-73.3% | $6,797-78.0% | $5,306-71.8% |