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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 | $28,306 | $41,377-31.6% | $109,313-74.1% | $62,881-55.0% |
| Participation rate | 40.5% | 57.5%-17.0pp | 71.3%-30.7pp | 69.3%-28.8pp |
| Annual return | 7.62% | 11.05%-3.4pp | 22.07%-14.4pp | 20.14%-12.5pp |
| Employer contribution / active EE | $640 | $1,276-49.8% | $3,892-83.6% | $2,281-71.9% |
| Participant deferral / active EE | $705 | $2,045-65.5% | $3,166-77.7% | $3,203-78.0% |
| Admin fee / account holder | $3,728 | $2,884+29.3% | $5,666-34.2% | $4,296-13.2% |