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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 | $60,442-26.9% | $96,754-54.3% | $87,485-49.5% |
| Participation rate | 26.2% | 58.7%-32.5pp | 70.3%-44.1pp | 68.9%-42.7pp |
| Annual return | 16.31% | 21.97%-5.7pp | 82.04%-65.7pp | 26.06%-9.8pp |
| Employer contribution / active EE | $439 | $1,691-74.0% | $2,679-83.6% | $2,596-83.1% |
| Participant deferral / active EE | $655 | $3,280-80.0% | $4,758-86.2% | $4,274-84.7% |
| Admin fee / account holder | $6,623 | $5,069+30.7% | $8,905-25.6% | $7,775-14.8% |