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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 | $39,453 | $41,377-4.7% | $109,313-63.9% | $62,881-37.3% |
| Participation rate | 29.3% | 57.5%-28.3pp | 71.3%-42.0pp | 69.3%-40.0pp |
| Annual return | 7.38% | 11.05%-3.7pp | 22.07%-14.7pp | 20.14%-12.8pp |
| Employer contribution / active EE | $408 | $1,276-68.0% | $3,892-89.5% | $2,281-82.1% |
| Participant deferral / active EE | $532 | $2,045-74.0% | $3,166-83.2% | $3,203-83.4% |
| Admin fee / account holder | $10,870 | $2,884+276.9% | $5,666+91.8% | $4,296+153.0% |