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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 | $69,694 | $102,393-31.9% | $147,041-52.6% | $80,911-13.9% |
| Participation rate | 22.1% | 75.9%-53.8pp | 82.2%-60.1pp | 67.6%-45.5pp |
| Annual return | 18.57% | 134.95%-116.4pp | 419.21%-400.6pp | 35.63%-17.1pp |
| Employer contribution / active EE | $955 | $3,715-74.3% | $4,935-80.6% | $2,756-65.3% |
| Participant deferral / active EE | $2,310 | $6,647-65.2% | $8,071-71.4% | $4,297-46.2% |
| Admin fee / account holder | $7,731 | $7,943-2.7% | $13,006-40.6% | $6,935+11.5% |