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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 | $41,691 | $88,360-52.8% | $145,433-71.3% | $67,986-38.7% |
| Participation rate | 28.9% | 65.5%-36.6pp | 82.1%-53.2pp | 57.2%-28.3pp |
| Annual return | 17.89% | 63.15%-45.3pp | 66.58%-48.7pp | 31.67%-13.8pp |
| Employer contribution / active EE | $705 | $3,054-76.9% | $4,554-84.5% | $2,019-65.1% |
| Participant deferral / active EE | $1,135 | $5,932-80.9% | $7,897-85.6% | $3,358-66.2% |
| Admin fee / account holder | $9,217 | $3,313+178.2% | $13,129-29.8% | $3,203+187.7% |