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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 | $36,574 | $75,058-51.3% | $152,301-76.0% | $64,340-43.2% |
| Participation rate | 13.5% | 60.9%-47.4pp | 82.4%-68.9pp | 55.2%-41.7pp |
| Annual return | 17.40% | 29.93%-12.5pp | 80.50%-63.1pp | 24.14%-6.7pp |
| Employer contribution / active EE | $358 | $2,605-86.2% | $4,624-92.3% | $1,862-80.8% |
| Participant deferral / active EE | $648 | $5,041-87.2% | $8,004-91.9% | $2,980-78.3% |
| Admin fee / account holder | $6,238 | $4,050+54.0% | $14,398-56.7% | $3,703+68.5% |