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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 | $29,126 | $64,462-54.8% | $81,482-64.3% | $80,911-64.0% |
| Participation rate | 25.0% | 63.9%-38.9pp | 69.5%-44.5pp | 67.6%-42.6pp |
| Annual return | 13.27% | 16.35%-3.1pp | 24.79%-11.5pp | 35.63%-22.4pp |
| Employer contribution / active EE | $464 | $1,979-76.6% | $2,463-81.2% | $2,756-83.2% |
| Participant deferral / active EE | $631 | $3,094-79.6% | $3,885-83.8% | $4,297-85.3% |
| Admin fee / account holder | $11,067 | $5,678+94.9% | $5,761+92.1% | $6,935+59.6% |