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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 | $44,303 | $78,690-43.7% | $161,489-72.6% | $87,485-49.4% |
| Participation rate | 50.0% | 67.5%-17.5pp | 78.7%-28.7pp | 68.9%-18.9pp |
| Annual return | 13.30% | 32.74%-19.4pp | 89.72%-76.4pp | 26.06%-12.8pp |
| Employer contribution / active EE | $732 | $2,588-71.7% | $4,268-82.8% | $2,596-71.8% |
| Participant deferral / active EE | $861 | $3,311-74.0% | $5,630-84.7% | $4,274-79.9% |
| Admin fee / account holder | $3,615 | $6,724-46.2% | $16,006-77.4% | $7,775-53.5% |