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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 | $38,028 | $102,393-62.9% | $147,041-74.1% | $80,911-53.0% |
| Participation rate | 51.9% | 75.9%-23.9pp | 82.2%-30.2pp | 67.6%-15.7pp |
| Annual return | 19.06% | 134.95%-115.9pp | 419.21%-400.2pp | 35.63%-16.6pp |
| Employer contribution / active EE | $902 | $3,715-75.7% | $4,935-81.7% | $2,756-67.3% |
| Participant deferral / active EE | $2,108 | $6,647-68.3% | $8,071-73.9% | $4,297-50.9% |
| Admin fee / account holder | $5,004 | $7,943-37.0% | $13,006-61.5% | $6,935-27.8% |