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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 | $32,524 | $43,496-25.2% | $161,489-79.9% | $64,340-49.4% |
| Participation rate | 20.5% | 53.5%-33.0pp | 78.7%-58.2pp | 55.2%-34.8pp |
| Annual return | 17.31% | 20.76%-3.4pp | 89.72%-72.4pp | 24.14%-6.8pp |
| Employer contribution / active EE | $605 | $1,431-57.7% | $4,268-85.8% | $1,862-67.5% |
| Participant deferral / active EE | $537 | $1,996-73.1% | $5,630-90.5% | $2,980-82.0% |
| Admin fee / account holder | $2,679 | $2,330+15.0% | $16,006-83.3% | $3,703-27.6% |