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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 | $43,084 | $46,877-8.1% | $122,354-64.8% | $70,126-38.6% |
| Participation rate | 32.3% | 58.2%-26.0pp | 71.6%-39.4pp | 69.5%-37.3pp |
| Annual return | 15.41% | 24.22%-8.8pp | 30.28%-14.9pp | 73.15%-57.7pp |
| Employer contribution / active EE | $560 | $1,288-56.5% | $4,051-86.2% | $2,343-76.1% |
| Participant deferral / active EE | $728 | $2,167-66.4% | $3,287-77.8% | $3,332-78.1% |
| Admin fee / account holder | $10,220 | $3,324+207.5% | $5,479+86.5% | $4,645+120.0% |