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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 | $29,748 | $63,456-53.1% | $100,712-70.5% | $64,097-53.6% |
| Participation rate | 14.8% | 49.7%-34.9pp | 69.3%-54.5pp | 55.2%-40.4pp |
| Annual return | 15.42% | 19.65%-4.2pp | 33.27%-17.9pp | 34.64%-19.2pp |
| Employer contribution / active EE | $403 | $1,003-59.8% | $2,313-82.6% | $1,891-78.7% |
| Participant deferral / active EE | $738 | $2,463-70.1% | $4,085-81.9% | $3,080-76.1% |
| Admin fee / account holder | $6,910 | $4,808+43.7% | $9,256-25.4% | $3,454+100.0% |