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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 | $27,747 | $63,845-56.5% | $81,370-65.9% | $80,959-65.7% |
| Participation rate | 27.3% | 63.9%-36.6pp | 69.5%-42.3pp | 67.7%-40.4pp |
| Annual return | 15.87% | 16.37%-0.5pp | 24.85%-9.0pp | 35.67%-19.8pp |
| Employer contribution / active EE | $558 | $1,980-71.8% | $2,464-77.3% | $2,757-79.8% |
| Participant deferral / active EE | $643 | $3,093-79.2% | $3,885-83.4% | $4,300-85.0% |
| Admin fee / account holder | $896 | $5,688-84.3% | $5,749-84.4% | $6,925-87.1% |