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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 | $24,705 | $49,763-50.4% | $70,565-65.0% | $74,473-66.8% |
| Participation rate | 22.4% | 64.6%-42.2pp | 68.4%-45.9pp | 70.7%-48.3pp |
| Annual return | 18.54% | 21.21%-2.7pp | 32.79%-14.3pp | 34.36%-15.8pp |
| Employer contribution / active EE | $506 | $1,776-71.5% | $2,976-83.0% | $2,638-80.8% |
| Participant deferral / active EE | $969 | $3,379-71.3% | $4,568-78.8% | $4,530-78.6% |
| Admin fee / account holder | $419 | $316+32.5% | $6,430-93.5% | $347+20.7% |