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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 | $54,863 | $43,496+26.1% | $161,489-66.0% | $64,340-14.7% |
| Participation rate | 19.0% | 53.5%-34.5pp | 78.7%-59.7pp | 55.2%-36.2pp |
| Annual return | 16.93% | 20.76%-3.8pp | 89.72%-72.8pp | 24.14%-7.2pp |
| Employer contribution / active EE | $562 | $1,431-60.7% | $4,268-86.8% | $1,862-69.8% |
| Participant deferral / active EE | $658 | $1,996-67.0% | $5,630-88.3% | $2,980-77.9% |
| Admin fee / account holder | $1,653 | $2,330-29.1% | $16,006-89.7% | $3,703-55.4% |