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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 | $41,765 | $77,905-46.4% | $149,682-72.1% | $75,173-44.4% |
| Participation rate | 30.0% | 65.6%-35.6pp | 78.8%-48.8pp | 67.2%-37.2pp |
| Annual return | 21.12% | 31.72%-10.6pp | 134.35%-113.2pp | 160.65%-139.5pp |
| Employer contribution / active EE | $718 | $3,138-77.1% | $4,818-85.1% | $2,670-73.1% |
| Participant deferral / active EE | $743 | $3,411-78.2% | $5,681-86.9% | $4,126-82.0% |
| Admin fee / account holder | $1,272 | $5,957-78.6% | $13,210-90.4% | $5,651-77.5% |