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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 | $38,585 | $63,456-39.2% | $100,712-61.7% | $64,097-39.8% |
| Participation rate | 40.0% | 49.7%-9.7pp | 69.3%-29.3pp | 55.2%-15.2pp |
| Annual return | 12.81% | 19.65%-6.8pp | 33.27%-20.5pp | 34.64%-21.8pp |
| Employer contribution / active EE | $195 | $1,003-80.5% | $2,313-91.5% | $1,891-89.7% |
| Participant deferral / active EE | $845 | $2,463-65.7% | $4,085-79.3% | $3,080-72.6% |
| Admin fee / account holder | $1,359 | $4,808-71.7% | $9,256-85.3% | $3,454-60.7% |