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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 | $41,168 | $60,442-31.9% | $96,754-57.5% | $87,485-52.9% |
| Participation rate | 19.5% | 58.7%-39.2pp | 70.3%-50.8pp | 68.9%-49.5pp |
| Annual return | 14.78% | 21.97%-7.2pp | 82.04%-67.3pp | 26.06%-11.3pp |
| Employer contribution / active EE | $399 | $1,691-76.4% | $2,679-85.1% | $2,596-84.6% |
| Participant deferral / active EE | $743 | $3,280-77.4% | $4,758-84.4% | $4,274-82.6% |
| Admin fee / account holder | $2,368 | $5,069-53.3% | $8,905-73.4% | $7,775-69.5% |