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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 | $39,644 | $98,766-59.9% | $149,730-73.5% | $79,852-50.4% |
| Participation rate | 46.6% | 75.8%-29.2pp | 82.5%-35.9pp | 69.6%-23.1pp |
| Annual return | 13.12% | 27.43%-14.3pp | 276.70%-263.6pp | 31.72%-18.6pp |
| Employer contribution / active EE | $888 | $3,217-72.4% | $4,645-80.9% | $2,471-64.0% |
| Participant deferral / active EE | $1,605 | $5,681-71.7% | $6,843-76.5% | $3,740-57.1% |
| Admin fee / account holder | $408 | $6,052-93.3% | $9,310-95.6% | $5,306-92.3% |