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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 | $48,821 | $67,602-27.8% | $82,312-40.7% | $70,126-30.4% |
| Participation rate | 20.4% | 72.8%-52.4pp | 76.9%-56.5pp | 69.5%-49.1pp |
| Annual return | 23.17% | 21.57%+1.6pp | 25.88%-2.7pp | 73.15%-50.0pp |
| Employer contribution / active EE | $406 | $1,755-76.9% | $2,428-83.3% | $2,343-82.7% |
| Participant deferral / active EE | $825 | $2,987-72.4% | $3,706-77.7% | $3,332-75.2% |
| Admin fee / account holder | $596 | $4,512-86.8% | $5,608-89.4% | $4,645-87.2% |