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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 | $29,176 | $78,690-62.9% | $161,489-81.9% | $87,485-66.6% |
| Participation rate | 30.3% | 67.5%-37.2pp | 78.7%-48.4pp | 68.9%-38.6pp |
| Annual return | 12.99% | 32.74%-19.7pp | 89.72%-76.7pp | 26.06%-13.1pp |
| Employer contribution / active EE | $373 | $2,588-85.6% | $4,268-91.3% | $2,596-85.6% |
| Participant deferral / active EE | $829 | $3,311-75.0% | $5,630-85.3% | $4,274-80.6% |
| Admin fee / account holder | $3,307 | $6,724-50.8% | $16,006-79.3% | $7,775-57.5% |