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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 | $60,149 | $89,241-32.6% | $134,172-55.2% | $79,634-24.5% |
| Participation rate | 13.0% | 47.1%-34.1pp | 72.5%-59.5pp | 62.5%-49.5pp |
| Annual return | 14.18% | 16.69%-2.5pp | 25.30%-11.1pp | 36.46%-22.3pp |
| Employer contribution / active EE | $360 | $1,634-78.0% | $3,420-89.5% | $2,529-85.8% |
| Participant deferral / active EE | $704 | $2,288-69.2% | $4,690-85.0% | $3,835-81.6% |
| Admin fee / account holder | $3,935 | $1,359+189.6% | $12,016-67.3% | $1,002+292.7% |