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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 | $58,057-23.9% | $97,032-54.4% | $86,983-49.2% |
| Participation rate | 26.2% | 60.4%-34.2pp | 71.6%-45.4pp | 69.5%-43.4pp |
| Annual return | 16.31% | 22.26%-6.0pp | 35.38%-19.1pp | 25.83%-9.5pp |
| Employer contribution / active EE | $439 | $1,663-73.6% | $2,629-83.3% | $2,584-83.0% |
| Participant deferral / active EE | $655 | $3,244-79.8% | $4,672-86.0% | $4,194-84.4% |
| Admin fee / account holder | $6,623 | $4,839+36.9% | $9,418-29.7% | $7,856-15.7% |