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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 | $34,479 | $77,920-55.8% | $149,723-77.0% | $75,177-54.1% |
| Participation rate | 22.1% | 65.6%-43.5pp | 78.8%-56.7pp | 67.2%-45.1pp |
| Annual return | 17.28% | 31.72%-14.4pp | 134.50%-117.2pp | 160.75%-143.5pp |
| Employer contribution / active EE | $443 | $3,138-85.9% | $4,821-90.8% | $2,671-83.4% |
| Participant deferral / active EE | $803 | $3,411-76.5% | $5,682-85.9% | $4,126-80.5% |
| Admin fee / account holder | $3,310 | $5,951-44.4% | $13,215-75.0% | $5,651-41.4% |