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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 | $35,187 | $63,904-44.9% | $89,340-60.6% | $67,986-48.2% |
| Participation rate | 10.6% | 54.3%-43.7pp | 69.6%-58.9pp | 57.2%-46.6pp |
| Annual return | 25.78% | 18.09%+7.7pp | 20.57%+5.2pp | 31.67%-5.9pp |
| Employer contribution / active EE | $359 | $1,627-77.9% | $2,231-83.9% | $2,019-82.2% |
| Participant deferral / active EE | $576 | $2,691-78.6% | $3,823-84.9% | $3,358-82.9% |
| Admin fee / account holder | $1,963 | $3,315-40.8% | $6,704-70.7% | $3,203-38.7% |