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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 | $45,343-28.3% | $150,298-78.4% | $67,986-52.2% |
| Participation rate | 20.5% | 51.9%-31.4pp | 77.8%-57.3pp | 57.2%-36.7pp |
| Annual return | 17.31% | 33.28%-16.0pp | 62.79%-45.5pp | 31.67%-14.4pp |
| Employer contribution / active EE | $605 | $1,462-58.6% | $4,154-85.4% | $2,019-70.0% |
| Participant deferral / active EE | $537 | $2,055-73.9% | $5,453-90.2% | $3,358-84.0% |
| Admin fee / account holder | $2,679 | $2,250+19.1% | $14,116-81.0% | $3,203-16.4% |