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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 | $42,816 | $46,877-8.7% | $122,354-65.0% | $70,124-38.9% |
| Participation rate | 60.0% | 58.2%+1.8pp | 71.6%-11.6pp | 69.5%-9.5pp |
| Annual return | 17.80% | 24.22%-6.4pp | 30.28%-12.5pp | 73.14%-55.3pp |
| Employer contribution / active EE | $676 | $1,288-47.5% | $4,051-83.3% | $2,342-71.1% |
| Participant deferral / active EE | $756 | $2,167-65.1% | $3,287-77.0% | $3,332-77.3% |
| Admin fee / account holder | $543 | $3,324-83.7% | $5,479-90.1% | $4,645-88.3% |