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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 | $23,081 | $76,407-69.8% | $150,298-84.6% | $82,448-72.0% |
| Participation rate | 44.2% | 66.4%-22.2pp | 77.8%-33.6pp | 68.1%-23.9pp |
| Annual return | 13.98% | 39.99%-26.0pp | 62.79%-48.8pp | 41.64%-27.7pp |
| Employer contribution / active EE | $446 | $2,614-82.9% | $4,154-89.3% | $2,551-82.5% |
| Participant deferral / active EE | $507 | $3,214-84.2% | $5,453-90.7% | $4,139-87.7% |
| Admin fee / account holder | $2,342 | $6,352-63.1% | $14,116-83.4% | $7,234-67.6% |