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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 | $38,701 | $51,222-24.4% | $70,544-45.1% | $75,173-48.5% |
| Participation rate | 25.0% | 61.0%-36.0pp | 68.4%-43.4pp | 67.2%-42.2pp |
| Annual return | 13.77% | 30.06%-16.3pp | 32.79%-19.0pp | 160.72%-147.0pp |
| Employer contribution / active EE | $516 | $1,827-71.8% | $2,976-82.7% | $2,671-80.7% |
| Participant deferral / active EE | $814 | $2,850-71.4% | $4,568-82.2% | $4,126-80.3% |
| Admin fee / account holder | $6,788 | $4,096+65.7% | $6,427+5.6% | $5,651+20.1% |