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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 | $52,949 | $43,749+21.0% | $158,223-66.5% | $65,306-18.9% |
| Participation rate | 11.7% | 56.9%-45.2pp | 79.2%-67.5pp | 57.7%-45.9pp |
| Annual return | 16.45% | 19.41%-3.0pp | 52.09%-35.6pp | 21.94%-5.5pp |
| Employer contribution / active EE | $350 | $1,497-76.6% | $4,109-91.5% | $1,967-82.2% |
| Participant deferral / active EE | $632 | $2,019-68.7% | $5,467-88.4% | $2,959-78.6% |
| Admin fee / account holder | $5,128 | $1,930+165.7% | $16,047-68.0% | $3,480+47.4% |