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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 | $22,131 | $73,981-70.1% | $105,754-79.1% | $62,881-64.8% |
| Participation rate | 33.3% | 71.7%-38.4pp | 78.9%-45.6pp | 69.3%-36.0pp |
| Annual return | 5.18% | 17.60%-12.4pp | 12.25%-7.1pp | 20.14%-15.0pp |
| Employer contribution / active EE | $713 | $2,856-75.0% | $4,079-82.5% | $2,281-68.8% |
| Participant deferral / active EE | $1,327 | $4,038-67.1% | $5,326-75.1% | $3,203-58.6% |
| Admin fee / account holder | $4,625 | $5,976-22.6% | $8,309-44.3% | $4,296+7.7% |