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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 | $68,772 | $98,760-30.4% | $149,715-54.1% | $79,858-13.9% |
| Participation rate | 47.4% | 75.8%-28.4pp | 82.5%-35.1pp | 69.6%-22.3pp |
| Annual return | 14.59% | 27.43%-12.8pp | 276.66%-262.1pp | 31.72%-17.1pp |
| Employer contribution / active EE | $962 | $3,217-70.1% | $4,645-79.3% | $2,471-61.0% |
| Participant deferral / active EE | $2,039 | $5,681-64.1% | $6,842-70.2% | $3,740-45.5% |
| Admin fee / account holder | $2,497 | $6,053-58.8% | $9,310-73.2% | $5,306-52.9% |