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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 | $43,996 | $64,501-31.8% | $108,753-59.5% | $65,306-32.6% |
| Participation rate | 20.4% | 50.8%-30.4pp | 71.1%-50.7pp | 57.7%-37.3pp |
| Annual return | 12.57% | 21.09%-8.5pp | 37.47%-24.9pp | 21.94%-9.4pp |
| Employer contribution / active EE | $709 | $1,069-33.7% | $2,427-70.8% | $1,967-64.0% |
| Participant deferral / active EE | $877 | $2,401-63.5% | $4,115-78.7% | $2,959-70.4% |
| Admin fee / account holder | $13,231 | $4,971+166.1% | $10,320+28.2% | $3,480+280.2% |