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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 | $37,770 | $77,814-51.5% | $158,223-76.1% | $86,983-56.6% |
| Participation rate | 28.0% | 68.4%-40.4pp | 79.2%-51.2pp | 69.5%-41.5pp |
| Annual return | 15.36% | 30.54%-15.2pp | 52.09%-36.7pp | 25.83%-10.5pp |
| Employer contribution / active EE | $295 | $2,592-88.6% | $4,109-92.8% | $2,584-88.6% |
| Participant deferral / active EE | $635 | $3,270-80.6% | $5,467-88.4% | $4,194-84.9% |
| Admin fee / account holder | $6,424 | $5,879+9.3% | $16,047-60.0% | $7,856-18.2% |