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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 | $24,822 | $91,198-72.8% | $178,503-86.1% | $79,856-68.9% |
| Participation rate | 38.9% | 69.2%-30.3pp | 81.9%-43.0pp | 69.6%-30.8pp |
| Annual return | 12.72% | 24.20%-11.5pp | 151.12%-138.4pp | 31.71%-19.0pp |
| Employer contribution / active EE | $489 | $3,257-85.0% | $5,011-90.2% | $2,471-80.2% |
| Participant deferral / active EE | $633 | $3,237-80.4% | $5,202-87.8% | $3,741-83.1% |
| Admin fee / account holder | $5,631 | $6,748-16.6% | $13,987-59.7% | $5,306+6.1% |