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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 | $43,335 | $81,331-46.7% | $155,534-72.1% | $80,935-46.5% |
| Participation rate | 30.6% | 66.3%-35.6pp | 78.2%-47.6pp | 67.7%-37.0pp |
| Annual return | 20.00% | 33.37%-13.4pp | 64.92%-44.9pp | 35.66%-15.7pp |
| Employer contribution / active EE | $623 | $3,105-79.9% | $4,675-86.7% | $2,757-77.4% |
| Participant deferral / active EE | $750 | $3,454-78.3% | $5,630-86.7% | $4,299-82.6% |
| Admin fee / account holder | $645 | $7,999-91.9% | $15,900-95.9% | $6,924-90.7% |