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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 | $31,886 | $78,423-59.3% | $95,964-66.8% | $79,856-60.1% |
| Participation rate | 43.2% | 73.5%-30.3pp | 77.1%-33.9pp | 69.6%-26.5pp |
| Annual return | 17.42% | 19.37%-2.0pp | 91.64%-74.2pp | 31.71%-14.3pp |
| Employer contribution / active EE | $767 | $1,945-60.6% | $2,541-69.8% | $2,471-69.0% |
| Participant deferral / active EE | $1,410 | $3,440-59.0% | $4,167-66.2% | $3,741-62.3% |
| Admin fee / account holder | $1,476 | $5,622-73.8% | $6,797-78.3% | $5,306-72.2% |