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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 | $40,612 | $85,171-52.3% | $172,753-76.5% | $72,976-44.3% |
| Participation rate | 34.5% | 70.1%-35.6pp | 82.6%-48.2pp | 69.5%-35.0pp |
| Annual return | 23.54% | 27.32%-3.8pp | 803.00%-779.5pp | 81.02%-57.5pp |
| Employer contribution / active EE | $640 | $3,324-80.7% | $5,144-87.6% | $2,440-73.8% |
| Participant deferral / active EE | $818 | $3,260-74.9% | $5,198-84.3% | $3,608-77.3% |
| Admin fee / account holder | $1,178 | $5,880-80.0% | $13,956-91.6% | $5,124-77.0% |