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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 | $28,016 | $78,520-64.3% | $96,576-71.0% | $82,448-66.0% |
| Participation rate | 28.1% | 77.7%-49.6pp | 81.4%-53.3pp | 68.1%-39.9pp |
| Annual return | 20.88% | 41.30%-20.4pp | 38.47%-17.6pp | 41.64%-20.8pp |
| Employer contribution / active EE | $633 | $2,630-75.9% | $3,553-82.2% | $2,551-75.2% |
| Participant deferral / active EE | $1,585 | $6,754-76.5% | $7,956-80.1% | $4,139-61.7% |
| Admin fee / account holder | $864 | $13,455-93.6% | $11,381-92.4% | $7,234-88.1% |