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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 | $26,447 | $43,496-39.2% | $161,489-83.6% | $64,340-58.9% |
| Participation rate | 20.5% | 53.5%-33.1pp | 78.7%-58.2pp | 55.2%-34.8pp |
| Annual return | 14.67% | 20.76%-6.1pp | 89.72%-75.0pp | 24.14%-9.5pp |
| Employer contribution / active EE | $345 | $1,431-75.9% | $4,268-91.9% | $1,862-81.5% |
| Participant deferral / active EE | $287 | $1,996-85.6% | $5,630-94.9% | $2,980-90.4% |
| Admin fee / account holder | $399 | $2,330-82.9% | $16,006-97.5% | $3,703-89.2% |