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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 | $46,546 | $98,766-52.9% | $149,730-68.9% | $79,852-41.7% |
| Participation rate | 51.2% | 75.8%-24.5pp | 82.5%-31.2pp | 69.6%-18.4pp |
| Annual return | 13.36% | 27.43%-14.1pp | 276.70%-263.3pp | 31.72%-18.4pp |
| Employer contribution / active EE | $2,691 | $3,217-16.4% | $4,645-42.1% | $2,471+8.9% |
| Participant deferral / active EE | $1,863 | $5,681-67.2% | $6,843-72.8% | $3,740-50.2% |
| Admin fee / account holder | $4,275 | $6,052-29.4% | $9,310-54.1% | $5,306-19.4% |