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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 | $45,785 | $56,116-18.4% | $135,768-66.3% | $86,983-47.4% |
| Participation rate | 26.7% | 60.1%-33.5pp | 71.1%-44.4pp | 69.5%-42.9pp |
| Annual return | 14.24% | 125.33%-111.1pp | 526.10%-511.9pp | 25.83%-11.6pp |
| Employer contribution / active EE | $476 | $1,528-68.9% | $3,394-86.0% | $2,584-81.6% |
| Participant deferral / active EE | $795 | $2,690-70.5% | $3,977-80.0% | $4,194-81.1% |
| Admin fee / account holder | $5,026 | $4,314+16.5% | $7,048-28.7% | $7,856-36.0% |