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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 | $44,208 | $57,590-23.2% | $86,233-48.7% | $82,448-46.4% |
| Participation rate | 26.2% | 57.9%-31.7pp | 69.0%-42.8pp | 68.1%-41.9pp |
| Annual return | 16.31% | 22.41%-6.1pp | 61.39%-45.1pp | 41.64%-25.3pp |
| Employer contribution / active EE | $439 | $1,655-73.5% | $2,504-82.5% | $2,551-82.8% |
| Participant deferral / active EE | $655 | $3,080-78.7% | $4,559-85.6% | $4,139-84.2% |
| Admin fee / account holder | $6,623 | $4,730+40.0% | $8,342-20.6% | $7,234-8.4% |