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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 | $23,573 | $62,672-62.4% | $185,117-87.3% | $70,126-66.4% |
| Participation rate | 17.0% | 63.8%-46.8pp | 77.3%-60.2pp | 69.5%-52.5pp |
| Annual return | 135.76% | 40.79%+95.0pp | 40.50%+95.3pp | 73.15%+62.6pp |
| Employer contribution / active EE | $512 | $1,753-70.8% | $4,182-87.8% | $2,343-78.1% |
| Participant deferral / active EE | $832 | $3,272-74.6% | $5,045-83.5% | $3,332-75.0% |
| Admin fee / account holder | $610 | $3,932-84.5% | $8,159-92.5% | $4,645-86.9% |