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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 | $28,604 | $38,365-25.4% | $84,628-66.2% | $65,185-56.1% |
| Participation rate | 24.2% | 55.7%-31.5pp | 68.2%-44.0pp | 70.2%-46.0pp |
| Annual return | 22.81% | 32.00%-9.2pp | 258.80%-236.0pp | 29.38%-6.6pp |
| Employer contribution / active EE | $373 | $1,258-70.3% | $2,653-85.9% | $2,177-82.9% |
| Participant deferral / active EE | $627 | $2,278-72.5% | $3,900-83.9% | $3,514-82.2% |
| Admin fee / account holder | $509 | $451+12.7% | $4,914-89.7% | $847-40.0% |