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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 | $28,751 | $71,215-59.6% | $93,696-69.3% | $80,935-64.5% |
| Participation rate | 68.0% | 60.4%+7.6pp | 68.7%-0.7pp | 67.7%+0.3pp |
| Annual return | 12.45% | 11.27%+1.2pp | 133.74%-121.3pp | 35.66%-23.2pp |
| Employer contribution / active EE | $2,000 | $1,565+27.8% | $2,422-17.4% | $2,757-27.4% |
| Participant deferral / active EE | $574 | $4,037-85.8% | $4,417-87.0% | $4,299-86.7% |
| Admin fee / account holder | $786 | $6,958-88.7% | $8,287-90.5% | $6,924-88.7% |