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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 | $7,182 | $57,590-87.5% | $86,233-91.7% | $82,448-91.3% |
| Participation rate | 21.7% | 57.9%-36.1pp | 69.0%-47.3pp | 68.1%-46.3pp |
| Annual return | 19.79% | 22.41%-2.6pp | 61.39%-41.6pp | 41.64%-21.8pp |
| Employer contribution / active EE | $453 | $1,655-72.6% | $2,504-81.9% | $2,551-82.2% |
| Participant deferral / active EE | $690 | $3,080-77.6% | $4,559-84.9% | $4,139-83.3% |
| Admin fee / account holder | $1,397 | $4,730-70.5% | $8,342-83.2% | $7,234-80.7% |