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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 | $80,446 | $91,120-11.7% | $161,149-50.1% | $64,097+25.5% |
| Participation rate | 27.4% | 62.2%-34.8pp | 78.8%-51.4pp | 55.2%-27.8pp |
| Annual return | 13.16% | 17.95%-4.8pp | 21.16%-8.0pp | 34.64%-21.5pp |
| Employer contribution / active EE | $579 | $2,284-74.6% | $4,360-86.7% | $1,891-69.4% |
| Participant deferral / active EE | $1,334 | $3,708-64.0% | $6,153-78.3% | $3,080-56.7% |
| Admin fee / account holder | $17,090 | $4,535+276.8% | $15,194+12.5% | $3,454+394.7% |