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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 | $77,908-63.1% | $149,696-80.8% | $75,173-61.8% |
| Participation rate | 31.3% | 65.6%-34.3pp | 78.8%-47.5pp | 67.2%-36.0pp |
| Annual return | 16.58% | 31.73%-15.1pp | 134.46%-117.9pp | 160.72%-144.1pp |
| Employer contribution / active EE | $431 | $3,138-86.3% | $4,821-91.1% | $2,671-83.8% |
| Participant deferral / active EE | $596 | $3,411-82.5% | $5,682-89.5% | $4,126-85.6% |
| Admin fee / account holder | $1,403 | $5,950-76.4% | $13,212-89.4% | $5,651-75.2% |