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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 | $39,099 | $76,407-48.8% | $150,298-74.0% | $82,448-52.6% |
| Participation rate | 19.2% | 66.4%-47.2pp | 77.8%-58.5pp | 68.1%-48.8pp |
| Annual return | 18.71% | 39.99%-21.3pp | 62.79%-44.1pp | 41.64%-22.9pp |
| Employer contribution / active EE | $456 | $2,614-82.6% | $4,154-89.0% | $2,551-82.1% |
| Participant deferral / active EE | $653 | $3,214-79.7% | $5,453-88.0% | $4,139-84.2% |
| Admin fee / account holder | $1,328 | $6,352-79.1% | $14,116-90.6% | $7,234-81.6% |