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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 | $20,456 | $25,723-20.5% | $69,182-70.4% | $55,167-62.9% |
| Participation rate | 29.2% | 39.4%-10.2pp | 55.1%-25.9pp | 69.0%-39.7pp |
| Annual return | 12.13% | 9.56%+2.6pp | -21.93%+34.1pp | 169.23%-157.1pp |
| Employer contribution / active EE | $431 | $480-10.3% | $1,206-64.3% | $1,963-78.0% |
| Participant deferral / active EE | $303 | $963-68.5% | $1,897-84.0% | $3,054-90.1% |
| Admin fee / account holder | $2,397 | $365+557.5% | $2,697-11.1% | $504+375.8% |