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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 | $40,122 | $75,058-46.5% | $152,301-73.7% | $64,340-37.6% |
| Participation rate | 10.4% | 60.9%-50.5pp | 82.4%-72.1pp | 55.2%-44.9pp |
| Annual return | 13.91% | 29.93%-16.0pp | 80.50%-66.6pp | 24.14%-10.2pp |
| Employer contribution / active EE | $264 | $2,605-89.9% | $4,624-94.3% | $1,862-85.8% |
| Participant deferral / active EE | $656 | $5,041-87.0% | $8,004-91.8% | $2,980-78.0% |
| Admin fee / account holder | $1,195 | $4,050-70.5% | $14,398-91.7% | $3,703-67.7% |