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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 | $42,647 | $98,766-56.8% | $149,730-71.5% | $79,852-46.6% |
| Participation rate | 49.0% | 75.8%-26.8pp | 82.5%-33.5pp | 69.6%-20.6pp |
| Annual return | 15.74% | 27.43%-11.7pp | 276.70%-261.0pp | 31.72%-16.0pp |
| Employer contribution / active EE | $940 | $3,217-70.8% | $4,645-79.8% | $2,471-61.9% |
| Participant deferral / active EE | $2,163 | $5,681-61.9% | $6,843-68.4% | $3,740-42.2% |
| Admin fee / account holder | $1,907 | $6,052-68.5% | $9,310-79.5% | $5,306-64.1% |