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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 | $63,456-30.7% | $100,712-56.3% | $64,097-31.4% |
| Participation rate | 20.4% | 49.7%-29.3pp | 69.3%-48.9pp | 55.2%-34.8pp |
| Annual return | 12.57% | 19.65%-7.1pp | 33.27%-20.7pp | 34.64%-22.1pp |
| Employer contribution / active EE | $709 | $1,003-29.3% | $2,313-69.3% | $1,891-62.5% |
| Participant deferral / active EE | $877 | $2,463-64.4% | $4,085-78.5% | $3,080-71.5% |
| Admin fee / account holder | $13,231 | $4,808+175.2% | $9,256+42.9% | $3,454+283.0% |