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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 | $32,285 | $72,272-55.3% | $101,264-68.1% | $79,858-59.6% |
| Participation rate | 20.8% | 68.5%-47.6pp | 75.8%-55.0pp | 69.6%-48.8pp |
| Annual return | 14.18% | 22.30%-8.1pp | 46.48%-32.3pp | 31.72%-17.5pp |
| Employer contribution / active EE | $636 | $2,692-76.4% | $3,660-82.6% | $2,471-74.3% |
| Participant deferral / active EE | $998 | $3,282-69.6% | $4,370-77.2% | $3,740-73.3% |
| Admin fee / account holder | $4,154 | $4,401-5.6% | $5,947-30.1% | $5,306-21.7% |